As NJ being more competitive & prices are going very high & I earn average upto 25k on a flip in NJ, & hard to find properties that really make sense here.How’s the Leigh valley area in PA for real estate investors?

Also, just an idea, since you have your hands full now, perhaps consider starting with a passive strategy (aka syndications), and then move to something more active once you have your passive income stream.In terms of HML, I would refrain from it since you're W-2 employee and your HML earnings are taxed as ordinary income (aka at your W-2 rate). 

I see that a little differently, if they get 10% of the rent when a tenant is in the unit but get to charge a full month's rent to place a new tenant, and they're marking up repair costs for managing the contractors, then it is actually financially more advantageous for them to put a tenant in the unit that won't pay the rent so they can charge you to evict them in 3 months, make some extra cash on the rehab and then charge a full month's rent for placing another crappy tenant in the unit to repeat the cycle. 

reviews and will not ping you in general if we have that or similar).SUPER EXTRA BONUS HINT: You already moved those down payment funds from your "business" checking account into your "personal" checking account 3+ months ago, so I'm not going to have to ask your CPA to write a letter "promising" that the use of "business" funds for your down payment will not impact your business operations (mini hint: no reputable CPA is going to write that letter FYI, see above about insurance...).Your self-prepared ("stated income") 2019 YTD P&L shows that you're doing even better than you were in 2018 or 2017.If you did ALL of the above including the super extra bonus hint: Then I'm over 60% sure that your 2018 taxes will be the ONLY basis of your income calculation, assuming of course an above-average competence lender local to the state where you are buying real estate.

to date, we have accumulated close to $30k, kept in a “high-yield” savings account and earning 2% interest.However, in recent months, we were hit with medical bills which we had to put on credit cards, adding another $16k in high-interest debt.

It may sound nice to pay a 5% management fee but the extra fees can add up to be more than the other company that charges 10% with no add-on fees.

So Thomas I think you misunderstood what I was trying to say, although I’m eligible for VA with zero down which I (earned from serving my country) my plan was not to get a house while in the situation that I’m in that would be foolish. 

Due to zoning it can not be a Muli-unit due to the extra taxes, so will build SFM and later upgrade it to Multi-unit What made you interested in investing in this type of deal?

You've traded extra potential return from forced equity for the luxury of having your time and energy back and having someone else shoulder the rehab risks.For some investors who don't work full time or just think DIY stuff is enjoyable, it seems crazy to trade away forced equity return for convenience, which is where a lot of turnkey naysaying comes in.

Successful people rarely have a lot of extra time and you need to make it meaningful and worth their while.