I would suspect you may be able to get around $5k and maybe $10k max for a loan based on the income. 

Cleveland Ohio is a strong cash flow market.

He doesn't seem to want to help in that department and instead provides buffered repairs numbers that are based on nothing.I will say, I do have a great PM that is always there come inspection and tells me the hard truth, but I don't want to continue wasting his time on duds.

Based on the rental estimates, we would net about $700 a month in surplus income since our mortgage is pretty inexpensive.I'm looking to get any and all opinions as I want to make the correct choice for us and also want to make sure I don't screw anything up if we do decide to choose option 2. 

Hey Nick 👋 although I’m not an expert on both markets - based on your goal being appreciation another factor you may want to look at is migration trends.Redfin posts data on migration trends by city.

These are not actual numbers but just for illustration purposes - though look quite realistic for the market I am considering based on Zillow, FurnishedFinder and other sources.Vacancy rates for MTR are low due to an acute shortage of nurses. 

I am a buy and hold investor in Florida looking for an asset based lender to refinance a Condo .

Madison - strong appreciation play, but negative cash flow without a unicorn deal or major cash down. 

I also know that a duplex, while slower, is the safer, more conservative approach and on my single income.Either way, for the second property, said another way its like small steps every 16 months or bigger steps at 32 months based on my current saving rate.

I would anticipate a primarily residential to be there, but primarily commercial might be around mid-9s to sniffing 10, based on where the 10-year is and how it would cash-flow