You can shop 10 or 20 lenders in a weeks time, find out what products they offer, what rates, what overlays and qualifications they each have for you.... 

I don't know anything specific about the Cincy market (and what the type of neighborhood this one is in - (A, B, C, etc.), but I've been told it's very similar to where I live in St.

Quote from @Brandon Leffler: Im in a similar situation ,but I need more cash flow before I make the jump.

That said, I wanted to share my story about how I found an out-of-state property, got it rented, and set it on autopilot.BackgroundI’m in my late 20s, living in a very high cost of living city and working in tech.

We're in a small town so we ask our bank loan officer who is involved in the community for a CPA reference.

My current flip was bought from a wholesaler in a partnership with a builder friend of ours who has his own salaried framers, roofers, plumbers and electricians.  

Every bank is looking for something different and it changes over time.However, we are not in a BRRRR market anymore, you'd be sailing upwind. 

If you are single, look for uneven multis where you can live in a small unit and rent out the bigger one (e.g. - 1/1 and a 3/2 instead of 2/1 and 2/1)2.

This is interesting and I look forward to the feedback.But, I don't know if I want extra buoyancy in a hot tub?

If your money that you want passed down is in a ROTH or something your beneficiaries can wait 10 years for distribution to get them another 10 years of tax free growth.