I’m trying to pay off my hard money lender with a cash-out refinance on one of the 3 properties, but I’ve been denied by three local credit unions and a bank because my self-employment taxes show low income as i also run a lawn and landscape company as my full time job and it has personal debt from the trucks.

House hacking is how I started, then I eventually moved out for a job and rented it out by rooms.

My goal is to be financially independent by 30, I would like, passive, around 6 grand a month, enough to be comfortable without a W-2 job.

I’m curious if I’m missing anything to my list so far I have (per zip code) also I currently invest in the Lansing area.Projects in the next 10 years (expected start and end date) Average household income Crime score Average home price Population growth past 10 yearsWho are the major employers And vacancy rate Job growth Tenet demographics& government and taxesAs Drew said, this is overkill...and you're missing a few things as well. 

The overall ideas got me fired up, now I am trying to adapt to 2025 and seeing what's out there to make the job manageable. 

I can't speak to giant construction jobs, but I've been through lots of deals that wound up going sideways and one thing I never said was "Only if the rate was 10.99% instead of 11.99% this would've turned out differently".Of course you always want the lowest cost of debt as well, but do you know what really matters and one huge reason why investors who flip/Brrrr to scale have a private money source? 

Demand has been strong, especially with so much job growth and population growth happening here (Intel, Amazon, Google, Honda, Nationwide, OSU, etc.), which keeps buyers and renters flowing in.

My husband will be leaving his job to focus on this full-time.

It’s still one of the few bigger metro markets where you can find properties in that price point that cash flow and even hit the 1% rule, and the city has really strong fundamentals—population growth, steady job growth, and a ton of major companies investing here like Intel, Amazon, Google, Microsoft, Honda, and Nationwide.

I've had a building managed by Kleinman Property Management for years and they do a great job.