@Angelo LlamasAt the bare minimum, you should do the following to make your bookkeeping easier:- Dedicate one checking account and credit card exclusively to real estate.

Still seeing low to mid 7s on 1/23/2025 assuming decent credit

Most S8 tenants have a history of bad decisions, often having convictions, evictions, bankruptcies, chargeoffs, collections, garnishments, etc.

Also, townhomes are a great bridge property, it's a common trend that those in townhomes are aspiring for home ownership meaning credit sensitive and with that right mindset. 

Typically Conventional will end 42% of DTI and FHA can get up to 51% DTI (and based on your credit score I think you should stretch to that 51%) Just a few things to start thinking about as you are working through the process. 

Take a look at the overall picture, i.e. credit score, debts etc.. to make a decision.

With good credit and a relatively low LTV, they may price comparably. 

I have no debt aside from the properties and regular monthly credit card debt.

A lender credit was disclosed on the Lock LE instead of being shown as the Seller credit.

Your credit will drop if you don't use credit.