DM if you want me to guide you on choices for your borrowers. 

Does anyone else have an opinion(s) on the best overall CRM choice for an REI based business, across the board?

This marks a departure from the previous multiunit financing requirement of 15-25% down payments for duplexes, triplexes, and four-plexes.This new option presents a great opportunity for individuals looking to invest in multifamily homes while also enjoying the benefits of homeownership.

My first choice is Oklahoma City, but I’m also looking into Memphis.

@Nathaniel Dean Morrisoni'm still not sure I'm following you, but if you're asking - should you use extra cash to put more money down on a house, and/or use extra cash to lower the rate - those are pretty personal choices so you have to decide what's right for you and what fits your budget. 

Your choices are to save more money or work harder to find one off-market for a below-market price.

If the latter, you will likely not have a choice as most rehab loans require a GC.

Unless you can come to terms with this individual; eviction might be the only route, and that might be a tricky process with someone who "knows their rights" my buddy recently had an issue with this, and it took him over a year to remove the tenant.

It takes many years of work and experience to become a well known listing agent of choice at scale (and continued good execution to maintain it).

DSCR loans seasoning period depends on the individual program (and there are hundreds with slight differences).