With modest annual price growth of 3-4% and high demand for long-term rentals, these markets present lower entry barriers and potential for consistent cash flow compared to more saturated Midwest options.If you'd like to discuss further, we are happy to help.

Consumers are just losing purchasing power, especially the middle class. 

Debt does sound scary but keep in mind you are buying assets not racking up consumer debt.

It's a complex, time-consuming process that involves finding suitable land, navigating zoning and permitting hurdles, managing logistics, and securing both materials and skilled labor.

The ground floor has a family room with access to attached garage, 1 bedroom, .5 bath, laundry and access to modest backyard.

I just finished a modest BRRRR. 

If one unit already covers about 90% of your PITI, that actually strengthens the case for keeping the discount modest.

May have violated the Consumer Protection Act4.

They have someone assigned to "Consumer Complaints." 

It also now has modest cash flow for its equity (high cash flow compared to most properties).I am skeptical of your cash flow estimate.