Keep in mind that some of these scenarios may affect whether a VA lender will loan on the property (part of understanding the loan benefit you have)Lastly, for the sake of this post, it's ultimately an investment property that you want to buy…which means you need to approach this buying process from a logical, numbers based approach and NOT an emotional approach.

First you should understand that nerves and discomfort is normal and sometimes is your brain's way of putting a check on your emotions.

You’ve already defined a clear strategy, which puts you ahead of most new investors.If you're open to investing outside Texas for better returns or diversification, here are some landlord-friendly, investor-friendly markets with potential for your target cash-on-cash return:Midwest:Indianapolis, IN - Strong rents, low property taxes, lots of solid PMsMany SFHs trade below replacement costCleveland, OH - Low purchase prices = higher CoCBe selective about neighborhoods and PMsSoutheast:Birmingham, AL - Cash-flow rich, very landlord-friendly lawsStrong PM options + below market deals still availableColumbia, SC - Military + student tenant base, lower entry pointsAppreciation potential and steady rental demandTips to Hit Your Return Goals:Work With Investor-Friendly AgentsFind ones who know how to spot value-add potential or off-market dealsVet Property Managers EarlyThey’ll tell you realistic rent numbers and where to avoidUse Deal Analysis ToolsA simple spreadsheet or calculator like the BiggerPockets Rental Property Calculator helps you keep emotions out of itPlug in real taxes, insurance, maintenance, vacancy, and PM feesLook at Light Value-Add OpportunitiesCosmetic upgrades ($5K–$10K) can bump ARV and rent, and still be manageable for a first-timerKnow Your Exit Strategy:Will you hold long-term, 1031 into larger properties, or refinance in 2–3 years?

@Julius Vincent I suggest you stay out of the emotional part as much as possible.

but I see now that money and success bring up a lot of emotions in people, especially when it challenges their own past decisions.I’m starting to learn that real power is in moving quietly, letting results do the talking, and keeping my circle focused. 

Across all demographics, emotional and lifestyle factors consistently outrank wealth-building as motivators.”Here’s what owning a home can mean for you, especially right now.Freedom To Make It YoursWhen you’re a homeowner, you don’t need to ask permission to paint a wall, hang a gallery of your favorite art, or redo the floors.

I really wanted to attempt the renovations but her emotional side is most important.  

It is much more difficult than it has been in recent years.Don't get emotionally attached to any one property.I once spent 2 years looking for a property that met my criteria.

Most investors are hustling off instinct and emotion.

His wife even joined the call, and together they helped me walk through not just the numbers, but also the emotions behind the decision.