The key to this is how you present to your lender. 

I recommend establishing the area you want to be in based on solid key indicators, then finding the best real estate broker, real estate investors association, and lender to partner with for your next venture.  

Once you have an idea of what you want out of real estate by using a specific strategy like for EX: Buy and Hold, Flipping, Property Management, Turn Key developments, Single Family, Multi Family, or both, wholesaling, etc...

The key with land is zoning, utilities and access.

Keep in mind the DTI ratio is a key component to underwriting consumer mortgages and you may eventually want to seek out a portfolio or commercial lender.

I am looking at buying rental property in Kalamazoo and have come across a few turn-key places near rough areas.

A key difference between gambling and investing is control.

@Andre Eakins The key is to figure out how much you can afford on a regular basis, and then commit to doing that same amount every month.

You should check into a new Caps Lock key.

Well you can but must provide a key if requested.