The biggest challenge seems to be finding lenders that offer these loan products which is where I’m looking for help from the community with recommended lenders that serve Texas.The Fannie Mae (or Freddie Mac) options are preferred over FHA purely because of the (perhaps perceived) limit on renovation funds that the FHA option provides.

You are limited in your options if something worse should come along later, such as a large investment going bad.If $10,000 CDN is a show stopper for you, how do you expect to manage a $600,000 CDN property? 

Since I bought the duplex, I have noticed that ReadyREI tries to limit property viewing as much as possible, and I believe that the reason for this is clear - it is to hide issues and the condition of the property as much as possible.When I first spoke with Ready REI, I was told that they provide a “turnkey” house, that nothing needed to be done to get it ready for occupancy.

My last visit was in 2021 and owners were limited to one guest per month.

You mentioned that your DTI is over 50% with less 10% down, so that's not an option....that 50% limit isn't necessarily a hard-and-fast rule, so you may still be okay @ less than 20% down (not to mention not all lenders calculate income the same way).

They usually sell for a really attractive price because investment property financing is (obviously) difficult, somewhat limiting the buyer pool to owner-operator small business owners (who in turn are typically great clients, as well).  

I am exploring this area and have heard some noise regarding the further limitations on beach access points along the coast, creating some havoc for str owners.

The landlord policy will usually address liability and rental income loss for the rented unit, while the HO3 covers your personal belongings and liability for the owner-occupied unit.

Low prices enable more people to buy, limiting demand for rental properties so rents decline (in inflation-adjusted dollars).Population Growth: In areas with growing populations, demand outpaces supply, driving up property prices.

If your goal is to grow faster, buying rent ready properties isn't the usual way to do that if you have limited funds to start with.