There are things that really need to be in your credit profile in order to be desired by the banks to give out more credit.

The key is being able to balance the lifestyle creep with the desire to become financially independent sooner.  

I plan for HQ to remain in PA for now, but in the future I desire to expand to a national level and meet great investors with great experience to build relationships with and expand!

I met with a local investor who was taking advantage of this trend and the super low vancancy rates in Victoria: she and team had just built a 20-unit apartment in Langford: her team designed it with the needs and desires of retirees in mind and it was a huge hit, with it being nearly all rented out when I toured it (and it was still under construction!).

But approaching the situation from a different angle allows your desire for the money to take a backseat and affords the lender to connect with you as a person and your needs.

We have across the board found that high end units done with care and excellence are highly desired!

I can pretty much guarantee that the IA properties will be better than the IL properties as far as return goes due to higher taxes in IL and less desirable living areas.

School districts are key, think about walkability, and features that gives it more character/desirability.  

You offer cash for their keys to encourage them to move, if desired.  

Desiring to establish financial freedom through rental property investment.