I'm being conservative by assuming minimal depreciation (1-2%) in a neighborhood that is desirable today in a great school district that is walkable to shopping center with a supermarket, restaurants.Current income dictates that an appropriate out of pocket cost for next house should less than $3K per month.Possible solutions:Take out second mortgage/HELOC to get the $100K I need to buy the next house?

Bigger Pockets is the one stop shop for real estate investing.

First property and first mortgage, is 4.125 average or should I have shopped around?

Also you may have to shop around.

As a life long "Memphian", I suggest The Bar-b-que Shop on Madison Ave.

After working with lending home for a couple weeks, they started to require an obscene amount of paperwork and had a lot more stipulations than they led on, so I started shopping for other options.

I'd just keep shopping, reading, and checking back on this thread.

I am looking for an investor friendly real estate agent who specialize in the areas of Camden, Gloucester, and Cumberland county. I'm not familiar with the Camden or Gloucester County area but think it will be a great...

I'm in the process of getting a HELOC right now. shop around for the best rates.

For fulfillment you can do it yourself to save money if you are broke, but ultimately if you want better response rates and focusing your time on value-add, then you will want to outsource fulfillment to a shop that has economies of scale and can offer you great rates.