They may not be terribly helpful in getting to a decision but considerations you may want look at:- I am no expert on this but that interest rate seems high based on what conventional rates are at.

Louis market.Utilize OPM to make $$$ for all parties.Provide support/CMA to individuals looking to analyze deals under consideration. 

I typically plan on a 2-4% response rate on postcards so take that into consideration when you mail as the cost is higher.  

@Jason DillardJason, ability to pay is not based on the borrower's past 6 months of making the same payment, underwriting goes to one year for credit considerations but isn't proof of the ability to pay.

On a side note, if anything were to happen, my wife is a criminal defense attorney and would likely represent me at a considerable discount!

Considerations:- written agreement (exact dates in and out) - extra deposit? 

We don't have issues with renting in the winter, not sure if that is a consideration in PA.

The first big consideration has to be the ROI. 

What is the minimum for consideration?

Augustine and Jacksonville areas.SFH, under $100K for purchase and rehab (medium to very little), no war zone neighborhoods, ARV of 65% or better.MF is also a consideration. 4 units or less.