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I really see Columbus Ohio as an extremely safe bet for the next 10-20 years.

From what I understand, the 25% down is because we exceed the income limits for homeready loans as non occupant co-signers. 

@Luke Davis If you can qualify for a conventional loan that is probably going to be your best bet.

Housing prices in Beloit are definitely cheaper than Janesville, and Janesville is (for obvious reasons) significantly cheaper to invest in than Madison.Can't be of help to the property management part though... we've looked and looked but haven't found a company we are comfortable with... your best bet there would be to join up with the Southern Wisconsin Landlords Association and network for a quick recommendation. 

The best bet is to take this commercial. 

It could limit me from getting my next investment property since I am not accumulating as fast now but around my area cash flowing properties are very difficult to find.

We have bought three deals this year, and closing on a fourth next week.I'm also a life coach, and limiting beliefs have held me back.

The downside here is that, despite having a newer home, you’d be more tied up financially, limiting your ability to build a larger portfolio in the near term.4.

The best bet is to find an insurance BROKER (keyword) and have them search around for the best rate to see if they can beat any of the three I named.