They both own thier own management companies as well, so they understand the needs for investors when it comes to insurance.Best,Brad 

A slightly higher upfront cost in a better area will likely yield better tenants and less hassle over time.Investing in McKinney is a great decision, but working with someone local who understands the nuances of the DFW market can help you identify the best opportunities.

I recommend you call a local agent or broker to give you a better lay of the land so you understand the challenges/opportunities in this area.

Some local lenders familiar with Gainesville’s market (from what I’ve read in Bloomberg) like SunState Federal Credit Union and Ameris Bank have been mentioned favorably latley and might be a bit more flexible if they understand the repositioning story behind your property.

In a city like Philly, you will face many challenges - you need to learn the market and know the neighborhood and the block and make sure all of your numbers are within reason, you need very reliable contractors, you need a to understand the permit process, you need to be familiar with market expectations. 

Please note the information provided below is a layman's definition designed to provide a basic understanding for the general audience.

The mailers I receive for my properties are not of a high enough quality, to make me believe the sender understands what gets a recipient to even open or read the mailer, let alone respond. 

For me as well as the seller.First, you have to define Sub to financing.Do you mean the reckless kind where you overpay for a property, take over the financing and borrow from others to cover closing costs and holding costs when you have no money, no credit, no income, no reserves and can't tell a warranty deed from a deed of trust and you close on the kitchen counteror do you meanbuying below market value, already having a nice income, having reserves, using escrow and title, already understanding the due on sale clause, have done a lot of creative purchases and know when to use and when not to use creative finance and how to recover if something goes amiss?

@Jamie BatemanIf I understand what they do- it looms like they are just a middle man where someone wants financing on a property they find a lender for it and will create documentation.

However, ensure you understand the local tax structure and any potential future changes.Economic Dependence: While Albuquerque has a diversified economy, it's worth noting that government and military jobs play a significant role.