Quote from @Vince Scipione: Standard would be an FHA loan for your situation more than likely.

Those are spray and pray techniques that don't fit with sellers right now because sellers/owners are sitting on a very low rate and don't want to move to go up 4-5 points on their rate.Listings aren't a start now thing as well.

I wanted to take a moment to introduce myself here on BiggerPockets.

Definitely come to the Midwest with no debt

As you may have found in your search, there are lenders that will lend up to 80% of the appraised value on investment properties and don't require an appraisal.Let me know if you'd like me to point you in the right direction.I have not; I'm still working on acquiring my next house hack, but when I need it, I'll probably use a combo of hard money and margin loan.

@Kristin Vegas what ROI do you project to obtain on the MFR?

BUT, the might cause more issues because 550k is already on the small side for a 5+ unit building product. 

Go to www.meetup.com and find one or two groups to join near where you live.

An even stronger indicator is that I am getting more and more orders to do BPOs (broker price opinions) for "banks".

Understanding your goals before buying is key to determining what type of land to buy and how to use it.