, whether there's a high water table that encroaches on any underground utilities or foundations (and does that water table have significant seasonal water level variations), encroachments by roads or other improvements on your property, limitations imposed by easements or rights of way, etc.

@Chris Shon Hiring a real estate-focused tax accountant can be highly beneficial, especially if you’re new to navigating the complexities of real estate investments and LLC filings.

Highly suggest coming out to some of the local chicago IN-PERSON meetups! 

The other areas you mentioned are too high for this particular need

I assume it’s not high enough that you or any family members want to take on the job?

A DSCR loan is going to require more down, have high fees at closing, a higher interest rate, a pre-payment penalty, and will require you to have cash reserves that you likely don't have at the moment.

I always carried high deductibles and insurance was more about catastrophic events.   

@Eric L ConryThis is a highly personal choice.

note a lender at high LTV may not desire a lot split.  

This influx of high-paying jobs (averaging $60 per hour) is expected to draw a significant number of professionals to the area, boosting demand for housing and various services.