Which areas would you recommend for buy and hold a 2-3 bedroom SFH which would bring cash flow and appreciate(albeit slowly) in Philadelphia suburbs(Delaware,Montgomery ,Bucks,decent sections of Chester counties)20% Down payment will be 60-80 K at the most.I wonder if the market is over saturated ..

@Paul De Luca and @Jeff Schemmel

For example north or south of Lehigh is a significant border.

I have been looking at single and multi family homes around the IL/WI border.

I’d paint walls a light gray and do white border trim in all rooms .

I don't work in that area, but I do a general search once in a while and the prices in southern NH just over the border seem to lend themselves better to house hacking if you work in the North Shore. 

It converts NOI into VALUE (much the same way a money changer converts US Dollars to Mexican Pesos at the southern border).

@Mark De sagun using my FHA 203(k) loan I did an addition on my house with no problems from the lender and did the garage conversion to an ADU. 

@Paul De Luca Hello, I have not yet, still trying to formulate a plan.

Quote from @Paul De Luca: @Vaidehi TelkarWelcome to the forums!