There are clear affluent areas and forgotten areas of Janesville, but I will always stand by my opinion of tenant screening being the best defense of your rental property value.The Northeast side is, by popular opinion, one of the best areas to be in for newer duplexes and larger lots (for more money, of course) - take a drive down the side streets off of Wright to get an idea.The homes here are at a premium price, and rents are higher, but we've found the ROI is too low to start out in that area. 

Here are a few suggestions on how you can maximize the wealth of information available: Check out the blogs and podcasts, or take advantage of the search feature (magnifying glass).

May be worth looking into both to compare features and pricing.

I've been using Michael Blank's Deal Analyzer which works fine but there are some features that aren't available.

You are basically paying a risk premium, if there are no issues the money you paid is gone. 

This increase puts downward pressure on both rental rates and property values.Rising insurance costs: Skyrocketing insurance premiums are further squeezing cash flow and increasing operational costs for property owners.Short-term outlook: With the current market conditions, Florida real estate is unlikely to yield strong returns over the next 1-2 years, making it less favorable for immediate investment.

Paying premium to work with his clerks!

I believe title insurance rates in Texas are promulgated by the state so the premium will probably be the same wherever you go. 

You are right, these don't attract families, although there is a very successful group called Gateway Vacation Home Rentals that are featured on VRBO and other sites.

That severely limited the number of lenders I could go to, so I ended up finding a loan product (that costs a premium, albeit) thru Velocity Capital Mortgage that allows fully-amortizing or IO payments (for first 10 years) which will help me build cash flow and accrue title seasoning while I find the right time to pull the trigger on a fully-amortizing DSCR product Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?