If you buy in your name you can buy them with conventional loans as long as you qualify which have better loan termsIf it makes any difference and will better guide your answers, we live in Ohio.Nice.

It's like asking someone what you should look for in a wife.You need to focus on what your goals are first, then take a personal inventory of your own knowledge, skills, interests, finances, available time, etc. 

The truth is that New Jersey, especially Northern New Jersey, is a tough investment market due to low inventory, high competition, and high taxes.

Is this using a 20% down, conventional or DSCR loan, although I would think a first time investor would use a conventional loan.

Give me a shout if you have questions, but here's the short of it.Best financing is going to be from a bank or a conventional construction loan.

I would focus on improving your credit and obtaining a more stable income so that conventional financing is an option. 

Most investors can buy up to 10 properties conventionally before they need to go to DSCR.Make sure you compair all options.

prices are high, interest rates are high, there is tremendous demand for inventory, and - one thing that doesn't get mentioned enough - a record number of properties are debt free. 

Personally, I think this company is probaby about to go out of business - they have lots of inventory, and it's not exactly prudent to be investing in FL in the coastal areas now anyway.  

Meet with a local banker & schedule a time to talk with a mortgage broker, they'll give you at least a baseline of what kind of down payment options and rates are out there.After that, if you're still wanting to research more creative options, do some looking into seller financing (a very hot topic with good, and bad, advice out there), look into private lenders, and commercial financing options.If you're wanting to live in 1/4 of your quadplex, then conventional residential loans may in fact be your best option as you can purchase that with a fannie/freddy loan with very low down, and use up to 75% of the income from the property toward your own income.