The home is valued at about $220,000, annual taxes are $6000.

The income from these loans makes up about 10% of the partnership's gross income for 2023 (but will likely be a larger percentage in future years). 

Long time residents can't even afford median rent because incomes aren't high enough.

However, it may be a smaller space with less luxuries (you could always take lower income and rent or airbnb out the ADU and live inside the main house).3.

It's a nice/quiet area, so not low income type of rural. 

Also, assume a regular job so I do not need extra income.

One issue is the challenge of qualifying, as conventional loans will have DTI requirements, income requirements, loan size limits, and loan amount limits that investors looking to scale a portfolio run into as soon as the financial freedom snowball starts rolling.

For much less I can turn the dining room into a bedroom for higher monthly income. 

If cash flow is your top priority, Cleveland's reliable rents and predictable income could be a strong contender.

I am particularly interested in neighborhoods with strong potential for growth, rental income, and community revitalization.I am open to various possibilities and eager to hear your perspective on these and other up-and-coming areas.