One being not enough slots in circuit breaker and the other the main panel would need to be upgraded along with wiring to the subpanel to handle the heavier power.i like the point of service use you mentioned.

My personal strategy right now is that I'm not taking on any adjustable rate debt.

I've read through the FHA guidelines and you're right, it kind of takes away the main benefit of going with an FHA loan in that case. 

I'm a 17 year old Canadian Engineering student, I was targeting Jacksonville as the main city where I tried to find my deals.

A guy who knows a few things about Credit and Debt has written a new FREE book, Ray Dalio, A Template for Understanding Big Debt Crises.

Any main industries providing consistent employment for tenants and attracting folks off the west coast? 

I still have lots of credit card debt from when I was self-employed.

I mainly buy in 29205 and 29201 zip codes (I'd recommend staying away from 29203 for an out of state investor).

The main reason we'd like to get into RE is to help supplement our income since my wife stays home with our 3 young children.

I want to understand my personal and portfolio debt to income ratio.