I think one thing people need to understand is in the US the ten-year treasury is competing against the mortgage-backed securities and while the ten-year is impacted by interest rates, its not the only factor and amount of spending we do also impacts it.they auctioned off 30-year today and it went really bad as no one wants our long-term debt and it sold for 4.3%10-year notes recently traded for 3.96% but again very weak demand - which I believe means yield prices may continue to move up, which means interest rates are not going down dramatically anytime soon - so that fed 25 or 50bps drop is not going to have your mortgage lender dropping rates suddenly the next day...Now the spread between the 10 yr and 30yr mortgages historically is closer to 1.75 but recently has been between 2-3% due to yield curve.

@Lolo Druff Real Estate Investing is not like Trading Stocks or Crytocurrency.Real Estate Investing requires some deep thought and research from you as an Investor.Having 400k to deploy to multiple duplexes is a great start but you have some questions to ask and answer yourself.

The lender I'm talking with is planning on 75%, I just want to make sure their isn't anything with the FHA loan that says I cannot refinance and move to a LLC without consequences.

Always trade offs, especially depending on how long that buyer is looking to keep the property, or refinance.

its kind of a trade off because i can get a newer property at a higher price and down payment, or get something older, less down and then use that money to fix what i need to fix. 

After the first year of renting them, and if their values have risen enough, I'll "trade up" for something else with a higher cashflow (assuming I go for a higher downpayment.) 

I’d like to trade it for this kind of property in this place. 

Quote from @Olga Daisel: @Dan ZambranoHow is your stock trading?

Since all these Companies are publicly traded, you can read their yearly 10K'S and quarterly 10q reports. which are very transparent as to how they generate their profits and what risks their seeing on the horizon.

In the latest offering, I read it is classified as a "publicly traded partnership," which leads me to believe a Schedule K-1 will be involved?