How about if you live in the area where there are some sub 100k properties.

How does the deal cash flow?

And again in high priced markets that can be 5 to 20k or more with just forwarded e mails its pretty significant money by using the business one has built.. but I get it if your only doing a deal or two a year. 

How much more interest do I have to pay if I had good credit?  

If a contractor fails you: pause work, document defects, consult your contract/legal rights — and prepare how you’ll finish the job (either switch contractors or reduce scope).Use this story as a guide of “how to recover” (not just avoid mistakes).

Keep saving as much as you can, consider high-yield savings accounts or other options Alan mentioned to get more bang for your buck, and use the time to learn the basics you've already been doing, and maybe try to find a mentor who can help you learn more about renovating.

I have not run into issues over the years on utilities.

That's pretty respectable considering how safe and principal protected it is.

I saved it in my templates.What part of Chicago is your property in @Maya Jones?

Quote from @Tim Aiken: I have a house in Bellville and I would like some help on deciding to fix and rent or sell the house, so I may need an agent to discuss the options,  looking at a timeline of 1to 2 months before the house could be listed if that is the best direction.