Provided that I can get a decent interest rate with 65-70% LTV, does that seem like a decent place to start?

Bottom line, that's a very decent budget to work with for a long term buy and hold in Indiana and bumps you up to Class A and B areas if that's part of your criteria.

I left that position to start a business and had decent success.

People keep telling me to figure out how much you qualify for, but I am not sure how to find a decent lender.

It’s also hard to find decent labor now because contractors are slammed, and nobody wants to work, plus lumber costs.

I'm thinking Cleveland, OH and Indianapolis, IN right now, based off the research online and here on the forums, but open to other markets.And I'd be more than happy to connect with any like-minded investors, or anyone who can be a part of my team in those markets :) With where the Cleveland market is in 2021 you're able to hit decent duplexes in the $100k+ range.

I’ve been looking to buy a SFH or Townhouse but I have yet to find a piece of property that will yield me the ROI I’m looking for.After I do my cash-out refinance, I’ll have a decent portion in the bank but I don’t think I’ll find a rental property this year that meets my criteria.  

You could always apply for rezoning, but that’s a long shot and cities are not usually open to spot zoning.

@Michael Keane Hi Michael,There are several pockets around the Tampa Bay area where investors are able to find decent returns still.

I am fairly confident I can rent this out on AirBnb for around $120/night on weekends during warm months and $80/night midweek and get a fairly decent income from it - I'd estimate conservatively being able to net $1,500/month on average from May - September and $800/month October through April (would love to find monthly tenants, but acknowledge that won't be at 100% capacity during off months).I put in an offer for $40k, which is what I feel like the house is worth in its condition and location - there are a lot of houses in similar condition but with more square footage (this guy is just 650 sq ft) that have sold in the $20k-60k range in the last year.