I can't speak on the capex for maintenance, but for cooling it has been great with no issues, we'll see how it holds up over the winter.True, your window units are always going to be most common here when there is no central cooling.

What kind of terms would I be looking at, let's say for a $350K property?

So I presented him option 3, which is to build backlinks faster... you can buy them... but buying backlinks isn't something Google condones, most use a PBN or some sort of automation, and most are crappy links that will work great for the short-term and boost rankings... but you never know when the ranking will drop. 

If I have to hold off a bit more for prices to cool, I will.

the answer is because this is what professionals do and it's the price of admission to really establish your real estate business properly from the outset.Having a lien, loan, etc. on the property does not indicate personal liability exposure to real property because being the borrower on a loan does not equate to holding legal title on the underlying property. 

My goal for the next 10 years is to build a sustainable and profitable mortgage business and use the profits to invest in long-term rentals.

I remember speaking to someone looking to do this sort of conversion in Scranton before and this is what they said they were coming across in terms of issues.

Doesn’t Maumee hold up home sales until the owner does 40k sewer replacements. 

Investment Info:Small multi-family (2-4 units) buy & hold investment.

With that many properties, a holding company might be an advantage for you.