It is as clear as mud

In theory, I should've had added liquidity the entire time and I should have more money when I pay it off because my investment made more (hopefully 15-20% (don't forget about all the tax advantages, appreciation, debt retirement, etc. that comes along with real estate)) than I would have saved (currently around 3%).I hope this makes sense, but I feel like I've been as clear as mud. 

Looking for a good contractor who can handle the hanging and mudding. 

or its undesirable to you too? 

Learned how to do basic rehabbing with floors, paint, mudding, dry walling, installations, etc.

Just change your verbage from down payment to option consideration and purchase credits to closing cost assistance and you won't get in mud as a disguised sale.   

They rent almost year round minus Oct and mud season.

@Michael Bridgett FHA is just as undesirable as VA.

Our policy is we take zero evictions, ever. it rewards undesired behaviorMost LL do not check more than the potential tenants’ current LL.  

I've had my realtor help me identify 2-3 zip codes that are considered B-C plus neighborhoods and continually sends me daily or weekly MLS listings but they either get weeded out because they are located next to dump properties where no one on the block has any pride of ownership or the are located next to factory or some other undesireable property.