It's not worth my time to deal with the hassle of conventional loan anymore, so I don't even consider it as an option.

Hey @Tyler Speelman- 2 options to consider:1.

I would also recommend that you do not narrow your investment options.

If yu claim one it doesn't void the option to claim the other one.Provided you meet the IRS requirements for both, as a tax strategy, you could complete exclude a portion of capital gains under Section 121 and then defer the remaining capital gains under Section 1031 (@Dave Foster is a great resource for 1031 exchange). ..

Once I gave them the online option, however, and the bank didn't deliver one tenant's check causing a late fee, they've all used the online option.

You can use FHA and low-down payment options with duplexes, which inflates prices.

Research the area's nuances, understand BRRRR financing strategy, network with local investors, analyze potential deals, use VA loans wisely, explore financing options, and network through investor groups.

Definitely a smart move to consider some out-of-state options before diving into a first investment property. 

Make sure you research multiple options to see what fits best for your real estate goals. good luck!

You are correct that it can be called but you are also usually given the option on either adding to the account or selecting what to sell.