Credit is a factor as bad credit may limit options, or may have the lender require you to put 10 or 20 years of taxes and insurance into escrow. 

Hard to give good advice without more info, but since You are single no kids it's hard to beat buying a single family fixer upper and living in it for two years and then selling for tax free profits....I'm a big fan of Waltham these days $.02 

I wait for 10 minutes and then a security guard tells me it is closed at 4 PM as indicated by a printed sign.... 

To keep these approvals valid, developments should secure public investment to support housing affordability and ensure that at least 50% of the units are affordable.

Positives are proximity, low property taxes, no income taxes, no weather events, very low maintenance stucco/tile structures, “young” properties (5-20 years old) 

Once you’ve built capital, transition to small multifamily units using DSCR loans for steady cash flow.If you need help analyzing deals or securing funding, let me know.

They need a contract with email addresses and social security numbers to provide the amount.

They find properties and approach Sellers and secure a price, then they seek out an end Buyer (you) and sell it to you at a higher price. 

Imagine luxury homes, dream holidays, and financial security.

This appears to be a 'transfer tax' instead of an income tax.