DSCR ~1.0 hitting around 70% "LTV".Which still, DSCR of 1.0 at 70% LTV is dumb in my opinion UNLESS the investment is with a mitigating strategy of value-add or positioning for some appreciation event which is now other investing and the operational (hold) is not the focus for investment returns, it's just a cost of position, and a whole different "beast" entirely. 

My goal is cash flow with decent appreciation.

But if the numbers make sense, having the peace of mind knowing that you're at a fixed rate over 30 years where rent appreciation is likely and the possibility to refinance if rates drop is a huge advantage.  

Any guidance or experiences you can share would be greatly appreciated.

@Matthew DavisThanks for the great list, appreciate you itemizing everything in one place.

Alongside acquiring rentals, I'm interested in establishing a service-based business within the real estate niche, potentially offering maintenance or renovation services.To make the most informed decision, I'd appreciate any insights from experienced Indiana investors on:Top Indiana Cities for Long-Term Rentals: What cities offer a strong rental market with factors like stable vacancy rates, positive cash flow potential, and opportunities for property appreciation?

Any advice on creative financing also would be appreciated!

I really appreciate it.

If anyone has any advice or resources, we would greatly appreciate it.

I know im young and foolish, but i still appreciate any feedback you might have.