Seems like this property is not really cash flowing on year 1 or 2 but there is a good potential for appreciation if I buy and hold.

Hey William, great question - Conventional has limits but have you explored non-conventional DSCR loans?

Hey Guys, We are a lender based in Houston but we do loans also in San Antonio and Dallas.

You have to go in person for an auction, which limits competitive bidding. 

One of the applicants reached out stating his credit score is 550 (our requirement is 600) but his wife’s credit score is 750.

It may be, but I would want to be certain.

I've had success selling the vacant land I'm picking up on Facebook Marketplace but recently it seems to have really slowed down. 

Overall, I still have a lot to learn in all of these respective areas, but having dipped my toes in so far has been a great accelerator to my current understanding. 

But realize also that if you pay off a 2.99% loan your payment on the DSCR is most likely going to skyrocket and eat up a lot of that  cash flow.  

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