And I re rocked and tiled the old fireplace to make it look nice and updated.

The area is too big to do straight rock and I don't really like the idea of an actual grass yard.

My C  BRRRs are rocking.  

Consider some sound muffling if the stairs are loud. 

I'm mainly interested in properties in the city: Black Rock, North Buffalo, the East side.I love bigger pockets because it is a community of friendly, helpful and like-minded investors.

never trust the broker, if you have the verified financials then and got your LOI accepted then the next step is to get in under contract and dig under every rock nook and cranny to nail down your TRUE numbers and actuals.. then hopefully you wont need to retrade the deal

IMO ClearNow is rock solid and been in business for years but they have a limited debiting schedule.

Wish they would modernize the process at least and let it be set up on recurring payment or have it available online or for crying out loud take credit or debit card as payment instead of just cash or check.

This is worth your attention far more than SFH at the moment.After you are rock solid sure that you will be able to get the loan forgiveness, I would recommend not paying down the debt and investing immediately. 

Ask your agent what is normal for your local area.If you are a cash buyer have proof of funds ready, if not a rock solid pre-approval that has been pre-underwritten.