Right now, the best offers around me are for some 1.3-4 million, that only generated around 100k per year gross, so there would be a high chance of not cash flowing, and paying money, especially with a commercial loan (these buildings have more than 4 units).I was thinking that although the rental itself does not generate money, I would be able to deduct the mortgage interest, and depreciation from my personal w2 income and would be net positive.

I made a relatively low offer and after one negotiation we settled on a price that was about 45% lower than the original list price.

Is it worth it for someone like me who hasn't done any deals yet, but is going to be making offers on my 1st investment property in the spring?

I feel this gives me the flexibility to find the right solution for my client and not just sell what my bank offers.

Then offer the creditor a percentage of this amount as settlement in full.  

Some cities like Atlanta, Charlotte, or parts of Texas offer cheaper homes with job opportunities nearby.If I were you, I'd focus on saving and researching markets that offer both affordability and growth.

They used to offer exclusive properties but now it appears that they are pulling MLS listings and will connect you with an agent.

There are a lot of websites that offer the course online, or if you have a college near you, they also typically offer a class that satisfies the pre-licensing requirement.

.: Quote from @Stepan Hedz: Phoenix, AZ, offers a young myriad of options for real estate investors, particularly in the distressed sectors.

Your Own AccountEmployers usually pick the default HSA provider, but you can open one anywhere that offers a brokerage option.