So, comps can help with figuring out local cap rates, then you need the income from the property to determine a value.

The mortgage would stay under the seller's name.The buyer could then rent out the unit, renovate, etc. to increase cash flow or make more money.But aside from a possible "due on clause" being called by the mortgage company, what's the benefit to the seller?

First I follow the law , it allows me 1/3 down .

Stick with just concrete if you need to expand the driveway & sidewalk.

I think issues regarding this can be avoided mostly just by tenant screening.

It just does.  

I am having trouble following you can always send the money to an insurance company. 

I would check the find real estate agents link up at the top.

Personally I'd like to talk with the landlord instead of a manager, in my mind, it's easier to cut out the middle man to have a conversation.

We just got a deal under contract subject to the existing financing.