Since I'm still very new to this I may be wrong but I believe the amortization should be 7 years because it will compute what my monthly payments will be stretched out over a 7 year period.

If they stretch it to all of the ATL metro area that could be a huge problem for a lot of investors because many places are in the surrounding cities which are technically not Atlanta.  

Totally agree that the syndicators who were stretching the numbers and using short term debt could be in some trouble. 

Since I am looking for cash flow, I am not touching those areas.I am primarily looking in the west Indy, Just outside Eagle Dale, Wayne, stretching up to Avon, Plainfield or on the south west like Marion County.Will connect with you for further details.

Big banks will cut you off at around 3-4 loans, smaller banks can stretch you out to the 10 loan limit, if your DTI stays within their risk parameters.

The odds of finding 10 properties to replace the 2, all at once, is a bit of a stretch...even for me (LOL). 

Eventually I would like to start to acquire detached SFH or small multi-family, but for now, my available funds stretch the furthest on row homes due to their lower price points.Are row homes safe enough investments?

My one piece of advice with developing in New York is to stretch out your timeline.

I do see a lot of people stretching with some of the multi-family.

The team I am on, Five Pillars Realty Team brokered by eXp, stretches across the state so our investor minded group may help as well depending on the market you are looking for.