My question is what is the better choice to use those funds towards...flipping a SFH or buying duplexes or waiting until another market crash and wait to buy multiple investments?

So, anyone who feels they have something to offer can post their own experience when someone posts a question they feel they can answer.With the real estate market the way it is - we're in a housing shortage since the crash - there is a lot of opportunity for landlords and other income property owners.

because when I asked quicken loans about a buying a 3-4 unit and living there they tell me that FHA only does 1-2 units. of course I aruged this saying since the housing market crash FHA allowed 1-4 units with only 3.5% down. now I watch Bigger pockets almost everyday trying to get started buying my first house to kick off my real estate career and now i get this info that FHA never offered 3.5% down now unless everyone on BP is lieing or Quicken loans lieing to its  Potential clients can anyone help me with this?

Even though 2010 was shortly after the crash I am in the midwest.  

Real estate prices in certain areas are outrageous, and I'm hearing a lot of bears out there pining for a housing market crash before getting in.

It was just greed and fraud that caused housing crash.

Or do people really anticipate a crash which results in a loss in property values of over 10,15, or even 25% or more??

That market has been super frothy and I wouldn't predict a crash in prices is coming but I certainly expect it to flatten out for a while.

The reason I ask is because when people refer to the crash in 2008, of course that was a nationwide epidemic even affecting parts of Canada.  

Before the crash banks might do that, but now, I doubt it.