I spent so much money trying to bring that place together that I am literally tens of thousands of dollars in high interest credit card debt.

The sales volume and quick turnover suggest that 28303 is highly attractive for investments in smaller homes catering to young professionals or small families.Zip Code 28304: Although there's significant appreciation in larger homes, 3-bedroom houses here saw a notable 30.1% price increase, and the average days on the market dropped from 50 to 17 days.

Aso was looking in areas such as texas, OH, I would love to stay in NY but not sure my income is high enough to get something suited for here.

I would highly recommend connecting with @Josh Brook

Acquiring an income earning property with high potential for appreciation for less than $20k out of pocket?  

Given the potential for high returns, customizable involvement levels, and significant tax benefits, I believe this is a great investment opportunity, particularly in markets experiencing rapid growth.I've been keeping an eye on developments in Georgia, where builders are struggling to meet the surging demand driven by population increases in certain areas.

I would highly advised from borrowing from your uncles until you are much farther along in the process. 

I would say there should be a few options at that loan amount - the most common minimum for DSCR lenders right now probably more like $100k or $125k - I would say only a small portion have as high a min. as $150,000

Unless you are an experienced builder, securing a bank loan can be difficult, and hard money loans often have high interest rates, which can become costly if your project faces delays.

We use a lot of caulk on damaged wood to help fill in gaps, etc - especially up high on the sides of houses.