Thank you.your most welcome of course... when someone post their credit is not what is should be that's code for bad credit.. bad credit does not borrow from institutions.. you should know that . 

1) The financial institute one has their primary mortgage with?

Competing with big dogs and institutional money for multi units doesn’t often leverage the small investors advantages. 

If you have one of the major financial institutions (Fidelity, Schwab, Merryl Lynch, Wells Fargo, etc.) setup your plan then they as custodian will limit your investment choices to that of their offerings, usually stocks, mutual funds and bonds.

There's bidding wars, institutional investors overpaying, and the masses assume because it's an REO so it must be a deal regardless of what the numbers say.

I am hoping some lenders or well seasoned vets on this website can help me.Most conventional financial institutions will finance a property at an 80/20 LTV.

If you can get loans through an institution  or private money and refinance after the new properties are renovated and rented.

The Lehigh Valley is considered Allentown,Bethlehem and Easton.Some awards won by Allentown In the recent years:2015- Ranked by Fortune Magazine as being among the top 10 best places in the US to relocate corporate finance and Information technology companies.2016- Cited as a “national success story” by the Urban Land Institute for its downtown redevelopment. 2017 & 2018- Downtown Allentown Revitalization District was named 1 of 13 winners worldwide of the prestigious “Urban Land Institute Global Award for Excellence”.

For example, if citizens of New Jersey marry, divorce, or adopt children in that state, Florida must recognize those actions as valid, even if the marriage, divorce, or adoption would not have been possible under Florida law.

While I don't believe tech will be the end to residential realtors, I do think that whatever you do, it would be wise to adopt and learn new relevant RE technologies along the way to stay ahead of the game.