You guy made those changes and the premium went up more than double and you charge the customer credit card automatically.

The original $493k is very low, unless not going for max LTV.

Because the commissions in property management are so low agents only help us fill about 0% - 5% of our units, we fill the other 95% - 100%.

My credit isn’t great either due to several factors (some beyond my control).

Individuals borrowing in their own name will need a credit file in the USA.

Every super low-end property managment company in Akron: Ceilings, walls, trim, everything.

If it's important to be near the Bay area then maybe consider the Tahoe Reno, NV market because it's only a few hours away if you need to go to the office and it offers a landlord friendly environment, low property taxes, and no state income tax.

You can connect your bank and credit card accounts and transactions get pulled in automatically, you just have to code them. 

We were looking in Baltimore City, Maryland.My concern is that with a low FHA down payment, the monthly mortgage amount is going to be higher than it would be at 20%, and even when we get tenants in the units, the cash flow will be fairly small.

*Credit is low to mid 600s due to high credit utilization as a result of covid.