@Lori Guse @Felix GoinsKeller Williams is the place for training and getting you positioned to ignite your business. 

He needs a agent that will understand and respect his clients position.

The low price points across WV make it an easy area to get positive cash flow. 

I am writing this to simply help other people that may be in the position that I found myself.In January of this year, I went hunting for a new Property Management System.  

And of course there will be PMI.If keeping that 5% in your pocket will allow you to fix the property up and achieve 25% equity, positioning you for an advantageous refinance, or if that 5% will let you fix it up so the bumped rent is greater than the bumped P&I payment (eg, 15% down costs $150/mo more, but the new kitchen it allowed you to put in lets you bump rent $250/mo), those are basically the top 2 times that 15% down makes sense. 

That is, if the buyer pays off the wrap loan, you want to be in a position to pay off the underlying loan without having to scrape up a bunch of cash.

Sure the city doesn't look inside the property, but what if you are in eviction court and the tenant shows photos of stuff that is not in compliance, for example a fire extinguisher that has the pressure needle in a position indicating it isn't charged?

Do you need investment ideas for money or do you need a salary? 

You could invest in mortgage notes taking a first position but I think you need to become a hard money lender with proper licenses. 

If you're in debt up to your eyeballs and you add to that debt each month you have fewer choices in life than someone who has money in the bank and is cash flow positive each month.