I ran a quick query and found these local organizations but you can fine tune your search for more affordable and/or flexible opportunities.http://www.riareducation.com/http://www.mckissock.com/Rhode-Island/Real-Estate-Continuing-Education/online-course-results?

I ran an ad in the paper a few times it costs about $50 for me to run a 5 or 6 line ad for a week.

I ran your numbers and came up with $40,666.

Rented a truck from Home Depot for $19.95 an hour and took all those to the job site, the helpers did go with me, they were preping the ground, clearing, tilling etc...but helped me unload, then I ran the truck over to Florida Silica and Sands and got the river rocks.

When I ran the property through my formula I got $71,000.

It looks good to me, but nothing gets by the Deal Analysis Forum.Here are the details:Asking Price: $230,000 (I ran my numbers on $220,000)Units: (4) 2 bed / 1 bath, rent for $700 eachBuilt 1966Tenants pay utilitiesIncome: $700 x 4 = $2800 / month or $33,600 / year Expenses (per month): Insurance: $66Taxes: $346Vacancy: $280 (10%) Management: $280 (10%) Misc repairs/Long term capital expenses: $428^ I just took 50% gross rents and subtracted all other expensesNOI: $1400/month = $16,800/yearFinancing:$220,000, 20% down = $44,000Loan of $176,000 at 5% interest = $944 monthly payment Cash flow of $1400 – 944 = $456 or $114 / doorOR (if I Owner Occupy)FHA 3.5% down = $11,000Loan of $209,000 at 3.5% = $1,012 monthly payment NOI of $700 (since I will be occupying one unit) means cash flow of -$459 (assumed $147 of PMI added)This property is in an ideal location - great neighborhood, proximity to schools, park, and community rec center.

i ran the loan numbers and it looks like the (~438K for 10 years at 4%) look like $4500 a month, but 3 K of that is equity buildup.

Beautiful beaches and great culture.

I ran into the crew showing up and doing "work" but they lost track of the end goal of completing the project on time and on quality.  

Around summer time I ran into the same issue when I tried to pick up a 10 plex, I ended up not getting it due to the Banks wanting 25%.From my experiences, banks want 20% for SFR and 25% from Multi's --- this is if you are buying as rentals and not living in the units.