Here are a few insights and tips based on your questions:1.

Hi Kyle, I came across an episode of your podcast today and am in the process of figuring out the best real estate investment strategy and financial planning based on my current financial situation.

Now, if I can buy this home for, let's say, $95k-$100k (and assuming I can pull out about $85k-$86k based on your calculations), would it still make sense to go after this 3rd rental property?

Bought SFR at $235k (Depreciation base: $200k)  in  2016. 

Based on you situation and property they may suggest one or the other type of coverage.If possible get quotes with Special form coverage and the building valued at Replacement cost. 

Following - I'm based in the Bay Area

Credit Score-Based Loan Options: Conventional Loans: These loans sometimes have low interest rates but usually call for a better credit score.FHA loans are a popular option for first-time homeowners since they may be obtained with lower credit ratings.Hard money or private lenders: Although borrowing rates may be higher, some of these lenders may have less stringent credit score criteria.4.

This iterative approach accelerates wealth-building over time.Stay Adaptable:Real estate markets can be dynamic, so be ready to adapt your strategy based on changing conditions.

We base all of our finishes off of affordable housing and tract builders.

The areas available to you can differ significantly based on how you plan to purchase the property.