Hey Jose - if you're working with $15k i'd examine your local market to see if there is an opportunity to house hack if you want to work solo.If you're opening to partnering - I'd reccomend attending your local REIA meetings to see who is looking for a partner / capital.

@Freddy HernandezUtilities are based on whatever market you are in.

They followed up right away on my pre-approval application that I submitted online.The appraisal (which usually seems to be a bottleneck with other lenders) reached out right away, even before my term sheet was finalized.Now here is where I feel a bit frustrated with their product marketing and what I actually got.

He would negotiate a below market interest rate with the seller of say 4%.  

I've lived in Pittsburgh my whole life and being that I'm in an out of properties every single day, I really know the market.

Thank you I've worked short, mid and long.........In the Cleveland market, I'd say long term rentals are still the best investment with all things considered.

An investment that is in many companies, reducing the risk of complete wipeout of the investment.Chances are these people you are referring to are invested in a broad market fund, and not in a highly volatile industry specific fund. 

How is the STR/MTR market in Indy?

Are they paying market rate?

Be extremely conservative on ARV in this market Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?