Instead of throwing your deal out to a bunch of strangers on the internet, I recommend you do your research to find a local expert with 20+ ACTIVE years in real estate in your market.

Sounds like their combined income likely beats your other tenants.Your gut is probably your best bet and you need to go with it. 

That’s the best bet. 

  $31k after tax annual income - $11k rent = $20k or $1,600 per month net income left to cover all other expenses (utilities, cars, insurance, groceries, kids, activities, etc.).Median household income for 38128 is $41k or $36k after tax

If i were active though it could have a much bigger impact.

The debt may not report to your personal credit (unless you are late on or miss payments, then all bets are off)2.

@Randee Erickson We are a very real company and we just saw this post as we are not active on bigger pockets.

It's not a get rich quick scheme, it's a lot of active work and I would have 5 yrs in my head at a minimum before you truly become established and stabilized. 

But I wouldn't be surprised to see us settle in the low 6.00% range.I have some aggressive bets in stocks and long duration bonds that will benefit if/when that happens.

The property is not active yet.