Well if you only have 4% today and a 729 credit score, it gives you time to hit those goals.

@Nate Valentine Same as @John Teachout unless the tenant gives you a heads up (there is a line in the sane though, if they hit you up every month stating they are late you have a problem).

Hi @Logan Murdock,You hit the nail on the head with your third bullet point of the turnkey company capitalizing on your shortcomings.

You will take a hit in interest rate for sure, but you should be able to qualify.

I know here in Houston to hit those double numbers on CoC % you have to buy in the BADDDDD areas. im sure Dallas is most likely the same way.

Baltimore has some pretty strict requirements for STRs, the most significant being that it must be your Primary Residence (I don't believe we can post links in the forums, but google "Baltimore City Department of Housing & Community Development Short-Term Rentals" and it should be your first organic hit).If you're going to go down that path, make sure that the numbers work as a long term rental once you're ready to move on.

They know what numbers many investors want to hit, so they try to hit those numbers and to do so in this market, they often will be in the toughest areas. 

Ohhh Boy, you just hit the one loan type that is pretty much a unicorn in the industry.

ACH is freeTakes about 5-7 days for the funds to hit your bank accountExcelI use an excel spreadsheet to track my check register.

Try hitting up a agent and let them know what you are looking for and I bet they could have you a property that would work.