The BRRRR rates just took a hike industry wide. 

Non QM and DSCR lenders have more flexibility and a wide array of lending products that do not fall into the same bucket as the government restricted products that you are talking about.Secondly, there are some strategies which enable long term financing sooner...  

Is there a reason the two girls do not work outside the home.You are right next to Toledo, Sonic Drive in hires people to roller skate food to their cars, and they get good tips.City jobs are stable, working in the library, or clerical in the different departments, or a 911 dispatcher, etc...Why not buy a double wide outside the city line for cheap (if you can get one cheap) and move your family out there.Not a trailer park, just on a lot somewhere.Because as you get older you might like having three helpers around to go grocery shopping, watch TV with, cut the grass and rake the yard, drive you to the doctors office when you feel ill--stuff like that.911 Job (no heavy lifting)--> https://www.youtube.com/watch?

Feels like system wide indoctrination to me.  

The lot is probably 150 yards wide by close to 300 yards deep.

Because the market has changed dramatically and property management isn't widely used for SFH's, lots of older boomers with maybe 1-3 rentals.

The cost of BRRRR deals is on the rise industry wide. 

The best way to incentivize a private lender is to have a property with a wide margin of equity built-in... either through you putting significant skin n the game or by buying well below market. 

I'm new in real estate and I'm eager to learn, but real estate is wide, what is the first thing you'd recommend for a newbie to learn as a marketer?

However, if there is a wide gap between the appraisal you received back in February vs what the listing agents are giving you, figure out why that is.