Verifying last 2-years of rental history and income/employment extremely important to find the “best of the worst”.Tenant Default: 20-30% probability of eviction or early lease termination.Section 8: Class D rents meet program requirements, often challenges to pass Section 8 inspection.Vacancies: 20%+, depending on market conditions and tenant screening.Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciation.Where did we get our FICO credit score information from?

Below are my lenders gave me with 700 credit score or 720 credit score. 5-4-year prepayment- 6.875%5 year prepay @6.5%:3 yr Prepayment-7%2yr Prepayment- 7.125%1yr Prepayment- 7.25%1 Year Prepay @7.5%Should I go with low interest 5 years prepay and 1 year prepay and high interest.My Goal:Lock rate long term predictable.Is 6.5 good rate for 5 years period. 

I am a licensed real estate agent and use quickbooks self employed for my miles and expenses for real estate.

. • Look near major employers + transportation corridors where long-term rental demand is strong (not just vacation rentals). • Duplexes/triplexes around Haines City, Poinciana, and South Orlando often pencil better than right by the tourist corridor. 

Verifying last 2-years of rental history and income/employment extremely important to find the “best of the worst”.Tenant Default: 20-30% probability of eviction or early lease termination.Section 8: Class D rents meet program requirements, often challenges to pass Section 8 inspection.Vacancies: 20%+, depending on market conditions and tenant screening.Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciation.Where did we get our FICO credit score information from?

Have you talked with your current employer about more hours or expanding your role with them?  

Prices are still affordable in the $120–180K range, you can find deals that hit the 1% rule and cash flow, and the macro factors are strong with population and job growth plus huge employers moving in like Intel, Amazon, Google, Honda, and Facebook.

Whether it’s worth pursuing depends on whether you have reliable contact information, if the tenants are employed or have assets, and if your documentation is strong.

I would also add that as long as 1 of the 2 in a married couple is a "Real Estate Professional" then that qualify the whole return as a "Real Estate Professional" generally I see this make sense where 1 of married couple is employed full time and the 2nd is a house-wife or unemployed.  

Low value markets might be Pennies on the dollar like you allude to.