OK Gotcha, that counts as a cash purchase correct?

 @Ian Middleton, I would consider a 1-1.2% a reasonable estimate for insurance in Houston (you sure need to count for flood insurance if the house you are looking at is in a flood zone). 

In the process, I learned that any credit pulls within a 30 day period only count as one hit on your report.

tacos, real estate, and beer count me in.  

It's going to happen again.....you can count on it!

Usually if you shop around it will not count against you.

We have a unit empty (not Corona related, they purchased a home) so that unit does not count but may be harder to find a qualified tenant. 

ROI around 5.5% not counting principle paid.

That way it's only counted as regular income when you flip a house and not short-term capital gains.

I see far too many people that don't understand what they're getting into and depend on the kindness of strangers - Which sometimes works and sometimes doesn't.I'd count your costs as tuition, but you seem to be aware of what goes into deals, so you'll do OK from here on.