So, what are they worth?

A lot of investors are jumping to secondary lines of insurance coverage and the problem with those is that the companies are based in the Cayman Islands or the Bahamas a lot of the time, and it is suspect that they would actually pay out if the need arose unfortunately.   

I currently have around 20k cash for a down payment and that is steadily increasing so I want to pull the trigger soon.I'm interested in Fort Wayne for a few reasons:- I have some family in the area (they won't be involved, but have some general knowledge of the area)- Decent schools- Low crime- Airport- Low pricesAny advice or connections are welcome as I am completely new to this.

I really, really doubt anything like that would pass.

Also have been told that you need to pay for it by some people and others say its free. 

Here is my method I got that has done me wonders, I used the method from Brandon Turners book on managing properties:1.)

Both are almost set in stone.   

A duplex where I live and the duplex that was offered to me.

That is how it was given and that is how I want it. 

It is really good that you are trying to find a focus.