Often people overthink this.

As with most people starting out - having the 20%-30% equity to put in the deal is the challenge. 

So, many people in your area may not realize its negotiable and just assume its always handled a certain way.

Why does it seem like most people start in SFH but then eventually go into commercial multi?

I see so many new investors that lose thousands, sometimes tens of thousands, every year because they make simple mistakes.

Now here is some advice many will disagree with me on but I firmly committed to this:  Most people that use a VA loan shouldn't.  

Ok so a diff path then my previous post.I also wanted to invest in real estate but just assume( and bet is probably true) that most of the people that find truly good investments have  either or all of the following the most "average joes" don't:1.

I generally prefer higher since I don’t plan on putting in small claims, it’s basically just for catastrophic loses and the savings in premiums over multpiple properties for multiple years should balance that out if I have ever have to use the insurance.

W2s, personal homes and K1s are usually straightforward and can be DIY-ed by most computer-savvy and financially-savvy people.

Lower end wines are losing favour to higher end wines despite lower end wines outpacing high end wines of volume growth.