Whatever we decide will be win win.

Those sites also have ghost bidders pushing up the price so you will see properties leave and come back the next week after not hitting the reserve or when a ghost bidder wins by mistake.

Basically, a contract that is a win for the seller, a win for the contract buyer, and a win for the property buyer.

You will use conventional or FHA, but it's VERY hard to win in Northern NJ with an FHA loan on a multi just because most sellers interpret FHA as not having the money instead of an investment vehicle so that needs to be explained.You aren't going to learn much in an online underwriting course as most of those are for commercial properties and no one online can teach you how to underwrite a small multi in Northern NJ because the vacancy, cap ex, taxes, are all different.

Birmingham MSA has some spots where you can win but if you have to know that market well to win.

Instant online approvals.. 

On a positive there are 15-20-30 year amortizations and increasing income qualifications including instant approval and AVM (no appraisal requirements) for very clean applicants, and creative documentation for self-employed borrowers or investors such as bank statements or even DSCR (usually up to 75%LTV) for investment properties. 

It could become a big win win. 

Midwest for the win! 

You see, there’s nothing worse for an attorney taking on a contingency case, fronting all the legal expenses and investing their time to win a case and obtain a court judgment – then NOT be able to collect on the judgment.So, astute attorneys will research the available assets and insurance before accepting a case on contingency.