If you have other money besides the 20K then this is a different story Already living in a house I bought before Covid.

You can refiance in as little as 3 months instead of waiting for conventional seasoing.

So when I tried to list it, the first unit on Zillow would show as "100 Example St." and then when I tried to list the next unit I had to put in a unit number so I tried to put "101 Example St." but on Zillow that would show as "100 Road St.

As others have pointed out, you are actually in a great position!

The house I will get is in a lower income area, currently worth $95-100k, and she still owes about $25k on it.

Every bank is looking for something different and it changes over time.However, we are not in a BRRRR market anymore, you'd be sailing upwind. 

That said, I wanted to share my story about how I found an out-of-state property, got it rented, and set it on autopilot.BackgroundI’m in my late 20s, living in a very high cost of living city and working in tech.

I haven't had a client who has purchased investments in lawton in a while.

Quote from @Brandon Leffler: Im in a similar situation ,but I need more cash flow before I make the jump.

You can shop 10 or 20 lenders in a weeks time, find out what products they offer, what rates, what overlays and qualifications they each have for you....