Saw Cleveland get mentioned as a possible landing spot for the OP.

We had already spotted this home the day before she suggested it based on our own criteria.

Explained to them I expect for them to pay there own utilities but just after explaining how I am going to make the place a better spot to stay.

You need to tell them your current owner occupy location and where you plan to buy the 2nd home vacation spot. 

@Candace Buckstead @Andrew Bang is spot on.  

If the property is cashflow negative according to one, it'll remain cashflow negative when the exact same numbers are transposed onto the exact same spots on a new form, that contains the exact same math. 

I used to work at Navy Federal when I lived by the Great Lakes Naval base, and most larger institutions like this won't be the best spot for you.

It doesn't take long to learn how to spot a good deal.5.

It's not impossible to invest out of state...you just need a good team that has a lot of experience with assisting out-of-state investors. p.s. we were in Oxnard not too long ago. great spot ;) 

Tons of development and all of the "cool" spots are migrating to this area, especially as downtown and Rainey get the soul drained out of them by generic high-rises.