Do they have late payments, or have they just maxed a $500 credit card? 

On the other hand, do you see late/non payments and collections across all their accounts (i.e. cable, cell phone, credit cards, car notes, etc)? 

Comps on zillow are not always the most accurate, so I would have your real estate agent run true comps for you, so you can evaluate the deal properly.

A properly structured BRRRR property is designed to give you instant equity once the rehab is done, its also designed to cash flow much better than buying a home that needs no repairs and is rent ready.

You will learn how to max out your credit card limits !

As a result, the pipe was not able to drain properly and once below freezing temperatures came, the pipe burst in the basement.   

I have a house in Texas I’m currently leasing to a tenant which is pretty much most of my debt including 10k in credit card debt and my wife’s vehicle.

We're in Los Angeles proper and it took us 9 months to find our duplex in LA - that includes the time we started searching for a property to the time we closed on our first property. 

What zip codes would you guys recommend driving through in Phoenix proper?

I have roughly about $15k of credit card debt.