The loan servicers we work with all allow for "recasting," which means you can have your payment lowered without needing to refinance if you pay down the balance significantly... see if your personal home's loan servicer offers that, if needed.

Yes the high prices are a bit intimidating...this is the biggest purchase of my life so far haha so its given me some anxiety too!

If you believe that holding cost will supersede cost increase then hold and if marginal or lower then sell.   

It should be priced somewhat lower due to condition, if rehab is cosmetic only (which it probably isn't in a home that old)  You could spend about $30,000 or a little more if you did everything

Should I get more cash flow from day 1 but have a lower CoC return (~$200/month NOI with about 20k left in the deal)ORShould I BRRRR and try to get all my money back out of the deal so I can increase that CoC return, at the cost of the monthly cash flow (~$10/month NOI with zero left in the deal)?

Let her know that you are the real ghost jk.. she’s probably looking for a excuse to get her payments lowered I don’t personally believe in ghosts when people bring that up to me I usually make a fool out of them lol.

And while it's still too early to tell how Opportunity Zones are going to affect lower income and other under represented segments, there is still quite a bit of housing stock available for rehab. 

If it's determined that you are not a tax resident of Canada you would be able to benefit from the lower US tax rates and additional tax benefits such as the use of 1031 exchange, and accelerated depreciation.If you would like to discuss your situation in a bit more detail feel free to reach out to me directly, I may be of assistance.Thanks, Elliott

Especially lower income housing.

@Stephen Meche Pets add risk and you should be compensated for the risk...just like your rents compensate you for rentals in a lower class area.