Congrats on your amazing work, Aaron, Your story is truly inspiring for new investors on BiggerPockets.I’m eyeing some properties here in Upstate NY, but feel a bit scared to go it alone.

It is important to have eyes on pricing daily in my opinion. 

If you're house hacking, you could refinance into a conventional loan with as little as 5% down, assuming the property value and your financials qualify at that time.Make sure the terms allow for early refinancing, and keep an eye on interest rates to refinance when it’s advantageous.

Lastly, what is a very LOW CoC return in your eyes?

Also, keep an eye on the far northwest with all that's going on in New Carlisle. 

The has been a lot of cases where the rehab was done to make it look beautiful to the buyer but everything behind the walls or where eyes cannot reach is done incorrectly.Even big new home builders do this kind of shady business where it comes to a point it is necessary to order inspection for new home builds in US .

I’ve been keeping an eye on the short-term rental market here in Indianapolis, and it’s definitely heating up!

They generally do not do this because either they are not aware of the changes or the loan is seasoned and performing so they are deliberately turning a blind eye.

Then it goes to a human classifier who is going to review it with their eyes and their subjective judgment and decide: let it go or send it for an actual audit.

Let me break it down for you:Why Bay City is catching my eye: Incredibly Affordable Entry: Average home prices around $70,000-$80,000.