It is now rented out to a nice section 8 tenant and I have that income coming in every month.

Eventually I want to do everything through a web portal but I'm not there yet. 

It seems like we would be paying decently more even with the rental income than we would be just renting an apartment.

There's no "Debt to Income" ratio stuff here either.  

Just because they make enough income doesn't mean their application is perfect.

Keep in mind you have to pay taxes on that income as well it doesn't automatically come out. 3) I think as a macro market if rates actually do come down we will see another surge in spring/summer and strong market pricing.

My credit is 770+ and my W-2 income is strong and healthy. any advice is greatly appreciated. 

However I will say financing 95% at today's high interest rates with 33% of the units not generating income sounds like a tough hurdle to overcome in this market, even if you're pulling in strong W2 income.

In terms of financial feasibility, while your plan to accelerate savings with rental income is sound, you must factor in rental expenses, Cincinnati living expenses, and travel costs for regular trips between Charlotte and Cincinnati.

Utilize the DSCR program 30 year fixed no income no doc .