My choices are limited to a few locations and I will move within the year.

Unless this is in a really nice area, my limited understanding of Kansas City is that you should be able to find higher returns.

There I have tenants that signed renewals this year of 2-3 years, after already being in their homes 3 and 5 years respectively.Property management is such a critical part of the long term success of your investment, and truly projections are not one size fits all.  

Everybody's a critic.

I’ve heard that the federal government has set a limit of 10 mortagages per person.

This limits your refinancing and flip options until title is clear.

@Aaron Deane Many of the answers you are looking for can be found here:How to Effectively Conduct Joint Venture Agreements as a Real Estate Investor596231-how-do-i-properly-construct-a-purchase-with-a-partnership591376-create-an-llc-for-first-partnership-best-way-to-do-so526244-taking-on-partner-s-and-limiting-our-liabilitesGood luck!

The mortgage itself is below the $1,000 budget limit I’m given myself, but when I add taxes @ $324.53 monthly ($3,894.36 was the taxes last year) & insurance @ $319.92 monthly (annual estimate $3,839 per year for insurance) it takes me over my $1,000 budget.

I lIve In a small town and my optIons are very limIted.

Announcement 2014-15 affirms this by stating “These actions by the IRS will not affect the ability of an IRA owner to transfer funds from one IRA trustee directly to another, because such a transfer is not a rollover and, therefore, is not subject to the one-rollover-per-year limitation.”If you decide to proceed with the movement of the IRA via the 60-day rollover method, the following revenue procedure references the new rule that was passed in 2014.