I'm not a credit expert by any means, but I will say that with my personal credit I've seen a tendency for there to be a small drop when there is a credit pull and then a large gain when there is an increase in my available credit, so in the case of a personal home loan it tends to work out well.In the case of investing in several homes in a year . . . the lenders I work with don't pull my personal credit every time, as they have it on file from the previous pull.

I have always felt that insurance should only be used to protect against losses that otherwise can not be absorbed, and the data tends to agree (obviously, otherwise insurance companies would lose money). 

Ramsey disciples tend to be people who were broke as a joke and in a ridiculous amount of debt, got/are getting out of it, and now attempt to carry suitcases of dollars around with them when they need to buy things.

Thank you Ryan for the referral.

Normal rentals pay little to no taxes whereas vacation rentals tend to be standard income, so you will be taxed more on your income.

@Michael Kiley thank you for sharing your referral.

Look for groups who offer referrals to local contractors, Relators, etc.

@Benjamin TorresOverall, Texas is great for investment as it tends to be a state that leans towards the landlord side of things.

You might see a little higher ROI on rent/own because the tenants will tend to take better care of the properties. 

@Lien VuongLien, as my most notes, I would very much like a consultant to come in consult is on to run this more efficiently, if the company does not aim to outsource the work, I would very interested in your referral.