There are programs where the city will assist with the cost.

--https://www.latimes.com/business/story/2020-03-08/oil-price-war-Oklahoma shale producers break even at $21 to $48 per barrel (i would think its closer to $40 in Oklahoma) -https://oilprice.com/Energy/Energy-General/Why-The-Oklahoma-Shale-Boom-Isnt-Taking-Off.html-Oklahomas state budget is made counting on oil selling for $54 per barrel it is currently at $31 per barrel and dropping - https://kfor.com/news/local/dark-clouds-could-be-on-states-horizon-as-oil-prices-drop-to-30-year-low/-While oklahoma's economy is very diverse it will be hit if prices do not rebound in the near future - https://oklahoman.com/article/5627150/state-chamber-provides-new-analysis-on-oil-gas-industrys-impact-on-oklahomas-economy-and-tax-revenues-Oil and Gas would fall under mining and make up 22% of the GDP for oklahoma see page 11 - https://www.ok.gov/oesc/documents/lmiEconIndPub.pdfThe Good The Bad and The Ugly -Good - oil and gas prices may come up if Russia gives in on this play. 

The second mortgage would assist with the down payment to meet the requirement.

Later down the road I plan on getting an assistant who handles only Paperwork while I can focus on deals and such.

Urban areas with diverse economies would have stable demand since travellers would prioritize holidays, events (weddings, graduations, etc), and family visits.

Should I try to find a part time assistant who can arrange for bids?

I hear people all the time (like on the BP Podcast) describing how they call, or even have Virtual Assistants call, and the hosts praise them for their brilliance.

My assistant called and told them what we were doing and was able to get the Land Use Permit changed to allow it. 

Most lenders learned their lessons, and also have better procedures in place today to assist borrowers in financial hardship. 

My hope would be to highly offset my cost of living so I could put more money aside for a future investment.I'm located in florida, I was saving/planning for the lowest possible down payment and getting first time homebuyer assistance for closing costs.