The only downside right now is that my planned savings for capital improvements and/or future investments is on pause.

Ask them if you could stop by their house, if their eyes go wide or if they have a huge pause before they speak, you can probably be assured that they don't take care of their place!

Personal finances: (I will leave my girlfriend out of this part but she's a teacher and doing better than me as far as debt goes) 31k student debt (on pause with 0% interest) 9.5K car debt (would be willing to sell/get cheaper car if beneficial but that's a different story)credit score 790 (little credit history besides monthly credit card payments and my first car)employment: lost sales job due to covid and receiving Unemployment (confident in finding income between 35K-55K annually within next month or two)20K in the bank currentlyStrategy I'm considering: House hack a duplex/triplex in Milwaukee via FHA loan.I would split all costs with my GF, live in it for 1-2 years.

Don't fall in love with a deal and overlook something that is obviously making you pause. 

I have purchased multiple properties in PA using an agent, and in my experience the agent always has me review and sign the offer letter before he submits it.

If a potential IRS scrutiny does not worry you, then your partner's future actions should give you a pause.

Evictions have been paused for so long there is a huge backlog before they even get to current evictions when it starts again.

It's not like on the courthouse steps where if you pause for a few seconds you might lose the auction.

We are still so green, don't even have a single property yet but as we move forward with learning the next steps (right now is finding agents, lenders, and which loan/s will be best for the two markets were looking into) we want to continually pause and ask ourselves how will this impact the people who live there, the community.

Its like when you deal with a tenant who has never been evicted vs. one that has - the one that has will know exactly how they can prolong and delay eventually getting kicked out and isn't afraid of the process.The estimating program they use is Xactimate which every PA uses as well, but the end result is only as accurate as the line items they enter - insurers frequently leave off a ton of stuff you'd assume is included but isn't.