I had the owner of my local branch doing mine.

Focus on smaller single-family homes, condos with low HOA fees, or multi-family properties in these regions, and build a reliable local team of agents, property managers, and other professionals to ensure a smooth investing experience.

There are many people on this site pushing those locations that have not historically kept up with inflation.Btw I advocate all newbies start local even if their local market has not kept up with inflation.  

You will buy a specific property, in a specific location, in a specific city subject to specific local rules and regulations.

since purchasing the property with a 10% down portfolio loan through a local bank, I have done extensive repair work and renovations.

If you want real cheap go to the local food bank.  

I have tried local governments sites with little luck. 

You should be able to find local builders that will finance the construction component of your new build, however! 

We recently relocated to Phoenix last summer and I'm starting to look for recommendations for local credit unions here in Phoenix which are trustworthy, low rates, personal touch, easy/simple to work with, etc. 

Hi Isaiah, I am based in Fort Lauderdale and can speak to the local market directly.