It’s like handing SFR investors a cheat code to multifamily.

@Brett Synickyyou can get same discount for real estate owned individually, directly when converting.

So, the extra unit may cost you more then it brings if you cannot access equity or if the market discounts the property when you go to sell due to financing available.

(The vendors give a quote, usually discounted for being a PM client and if I approve I pay amount, no extra fees/surcharges/etc.)For this I get GREAT and immediate service.

It is a bad idea to screen and then show homes with a smart lock code that I can change? 

Long story short, the simplest way to look at this is to add a 0.5% or 0.55% to your FHA rate and then compare that to a Conventional option (note rate + PMI rate) priced with 1.75 discount points.

If you’re open to waiting, you could buy the property from the winning bidder at a discount during the redemption window.Unfortunately, you can’t buy the unpaid taxes as a lien and force foreclosure like in other states.

Which neighborhood or zip code to look at or avoid?  

A "miserable corporate job to no where" isn't all that bad - health insurance benefits, 401k matching, probably some sort of discount stock purchase plan, stability, lenders like it.

Explore WholesalingNo need to own or live in the property: Wholesaling involves finding deeply discounted properties and assigning the contract to another buyer for a fee.