Look for lenders with competitive interest rates, favorable terms, and a good reputation for customer service.

That ROI is how to calculate how you make money in notes and do not understand the value of the note decreases with every payment so ROI is probably the worst metric.3.

@Jay DhanakI would recommend using this website to find out areas you are interested. https://www.areavibes.com/Here is my rating & classification for each livability score. 80 and above A+78/79 A76/77 A-74/75 B+72/73 B70/71 B-68/69 C+66/67 C64/65 C-60/63 D59 and below FSecondly, I would recommend connecting with an investor friendly real estate agent.

What rate is passive income taxed at?

Colorado is a great place to house hack as you can get ridiculous rates for single room rentals.

Florida is really competitive with short-term rentals and I've heard many stories of people diving into the market over the past few years only to find it difficult to cash flow with unexpected costs, rising interest and insurance rates, higher price points. 

I use Cit Bank 5% APYhttps://www.cit.com/cit-bank/resources/products-and-rates

You'll likely see higher fees and/or rates with those sorts of programs. 

So they cut the values in half and then raised the tax rate 90%.

While housing is objectively more unaffordable with current prices and interest rates, when will this be reflected in the overall home ownership data?