Dividing insurance and taxes indicated above in half and then accounting for a bare-bones $100 in monthly maintenance Year 1 has a negative cash flow of $1884.

But I have rhyme to my reason just bare with me. 

If you're barely cash flowing each month could this turn into negative cash flow in a downward market?

I asked for referrals of clients within the last 6 months, they gave me one because their clients like to remain 'discrete' and the one person I talked to sounded like he was on drugs, could barely understand him, I couldn't even believe it.

As a experienced investor of 23 local properties who did several BRRRR in 2008, those properties cash flow the least because I did the bare minimum of the front end.

I am extremely new to this so bare with me please. what initial steps had to be taken and what kind of credit score do i need to be aiming for before they take me seriously, currently i think im around 520 :( 

If you are there to do the bare minimum and get C's, it's a waste of time for everyone involved.

.$100K can go a long ways in some of those markets, but could barely scratch the surface in others.

In Birmingham, for example, a $90k property is a solid B/B+ - but I know in other markets that amount barely buys you a linen closet. 

Obviously with the 60-feet setback I can barely build anything anymore.Should I hire a surveyor or geotech to mitigate the issue?