I have gotten a seller's credit for my 3 existing units but to be conservative, I will assume I am paying full closing costs here.At the moment, I have ~$25k in a HYSA and expect to save another $10k from my W-2 before I start putting offers in.

BiggerPockets is full of resources designed to help you along your journey, whether you are just getting started or a seasoned investor.

With out that, there is no proof that it will perform.Do you have a full estimate and plan for 3 years on the property?

Bigger pockets Podcast 334I have never watched a full real estate podcast before.  

The 38128 is slightly below the median and is in a decent area, but definitely an area on the more challenged end of the spectrum in Memphis. 

You may be full for three months, then sit vacant on some rooms for three months or more.

And last but not least, the banks will fight tooth and nail when a borrower is seeking a full accounting.

Hi, I’m a full-time Real Estate Investor and mainly invest in Frederick and Washington counties.

Each jurisdiction is different, but typically include a substantial deposit due same day up to full price deposited that day. 

Also the home is a subject to, where we are paying the remaining 3% mortgage, so a full refi would not be a great answer either.