Traditional banks sometimes balk at it because they see it as riskier, but local credit unions or regional banks tend to be more open to it, especially if you can show a solid plan for development or resale.

Owasso is another area to consider, though prices there may be on the upper end of your budget, but the rental demand is strong due to local amenities and a community-focused environment.For a buy-and-hold strategy, these areas tend to offer good rental demand, relatively low vacancy rates, and potential appreciation over time.

Mark Zinman has been a steadfast resource/volunteer for AZREIA for years for LL-Tenant Law related situations.You can also try Jim Whitehill as a catch-all for RE needs; I've seen his name come up a lot in local Realtor forums when folks ask for attorney referrals. (520) 214-8779

Network like crazy.I also tend to think you should invest passively in 2-3 deals before signing up. 

Your best source of connections in the real estate investing world are right here on BP, through other realtor referrals, and from meetups and investment groups. 

They tend to buy fixers and get the work done.

Lower-income renters tend to generate significantly higher maintenance and turnover costs.

So 96,120 gross income lets say 10% expenses (they will add back in depreciation, taxes and insurance) = $7,209 a month x 45% = $3,244 will be your max PITI payment allowedI have a fantastic lender referral, @Sam Sharp, who is also an investor himself. 

And, real estate tends to "wobble" quite frequently these days haha.

He needs referrals to mortgage brokers for construction to permanent lending in NY.