Like I said the big downside is that the home is in a small town that recently hit rock bottom but signs are its on the way up.

Been here in Rock Hill since 95.

I don't understand how you can possibly think you can buy a fixer upper, and turn it into a B&B and think about GCing it yourself with no experience. sometimes ignorance is bliss.

Got a loan from Bank B, and paid off bank A with it).

This gives me a band between the status quo and "what could be".  

I agree with David Dachtera on the expensiveness of D&B, but I personally believe that experian business credit will overtake D&B, it will take a couple more years but experian is much more popular than the ancient D&B. And

Of course, I don't know your geographic location, but have you considered Round Rock/Pflugerville or Buda/Kyle? 

Tanya,In general, the 1% rule applies in B, and C areas while the 2% rule works in C, D and F areas.

Rock on!

Indianapolis, Dayton, Cleveland, Memphis, Little Rock, Jacksonville...