The vacation homes offered a low 10% down so that was helpful.

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

Prime is more expensive but offers a bit more robust documents, etc.

This straightforward process allows you to verify encumbrances before considering a property investment.Alternatively, engaging a title company can offer a more comprehensive approach to uncovering liens.

I saw Rod Khleif - Life Time Cash Flow Podcast is now offering Multifamily coachingOne on One  $14,900 one time and $1900 a month. 

It was just an offer (costs extra) through a local lender I used!

This property offered less cash flow and a higher cost to entry than Harvest.

Great points, ZharaBirmingham has relatively steady and diverse rental demand, and I’ve seen many investors I work with have success with C/B class buy-and-holds.Location is key—areas near UAB, major employers, and popular suburbs tend to have the strongest rental demand, while C/D class markets offer solid affordable housing and Section 8 opportunities.

Too bad that BiggerPockets does not offer an LOL reaction. 

I'll admit, I spent the better part of one year in 2012/2013 looking at properties and putting in offers, before one finally hit and I've been off and running since.