We self manage and we've had 0% vacancy, <1% late payment, all occupied at market rents.

I know you mentioned you are looking to flip houses yourself in the BHAM market. 

I plan to rent it for a few years and sell it depending on the market conditions in the future.

Are you sure you aren't WAY under market and not just a little? 

Study the market.

Also the market and income level (5 miles around the property) is also critical.

Bridge loans can be extremely useful for situations where you may be purchasing a property that has tenants already in the property who are well under market rents to the point where a DSCR loan wouldn't cash flow.

Obviously there are mature markets where this no longer stands out. 

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Hello, I am a new investor primary looking at the Columbus Ohio market.