And as move from that center, knowledge insight drops rapidly.

House hacking is a great starting point, but it's not the path to rapid growth.To scale quickly in real estate, you need to leverage OPM—Other People’s Money.

From there every 20 point increment affect pricing differently.

Incrementally, this isn’t much of a deal at all.

Since you’re already looking at Michigan and Ohio, you’re off to a strong start.Where to Focus in MI & OH:Here are some cash flow–friendly markets that still align with your criteria:Michigan:Grand Rapids – competitive but strong tenant base and decent appreciationKalamazoo – overlooked, stable rental demand, decent inventoryLansing – government/college town, strong PM optionsBattle Creek – good price-to-rent ratio, light rehabs commonOhio:Columbus – solid Class B areas with strong rental demand (Hilliard, Grove City)Dayton – better cash flow, lots of light rehab/turnkey opportunitiesCleveland – great for cash flow, but pick zip codes carefully (stick with west side or near hospitals/universities)Cincinnati – blend of appreciation and cash flow, but need local insightTips for a “Cash Buyer + Out-of-State + Turnkey-ish” Strategy:Leverage Turnkey ProvidersUse carefully vetted turnkey operators - many offer:Properties in Class B– neighborhoodsLight rehabs completedVetted property management in placeVet the Property Manager HARDEspecially if you're investing from Seattle and can’t swing by easily, your PM will make or break your investment.Cash = Speed + LeverageUse your ability to close fastPrioritize School Districts & Low CrimeEspecially in the Midwest where street-by-street comps matter.

If I decide to move up on my offer, I will do so, in a small incremental amount... so in this scenario, I'll go up another $5K reluctantly. 

If I saw only red numbers as a rental I’d sell, UNLESS I foresaw rapid appreciation.  

From there every 20 point increment affect pricing differently.

All other costs are likely incremental, but the increment sizes will vary, such as with a new teacher contract.

Also, if you havent already talked with a lender about this, I recommend you do so. 90% LTV is rapidly turning into a unicorn.