And you'll have the best rate/points options with a primary residence.Option #2 is great, especially if you're willing to move into one of the units (because the down payment minimum is just 5% or 3.5% depending on program), but as you mentioned it's really tough here to find small multifamily here.

My first property was tough, (credit not in place was a challenge - luckily, got some help on this!) 

Quote from @Kevin Sobilo: Quote from @Greg Scott: This is a tough lesson.

I disagree--there are more tough times ahead, but as stated above there is light at the end of the tunnel and this time it's not a train. 

I'm not an attorney, I haven't been hired to litigate damages and go back and fourth trying to prove or disprove who knew what when. 

So many folks are out here touting making millions with $0 down and you proved that even with all the due diligence and good investing sense, you have to be prepared and take risks that are proportioned to what you can withstand.

If I have a deal with decent seller financing terms, it will be sold pretty quickly to one of my buyers and not to a wholesaler who can't prove they can close and/or they are the end buyer.

This is assuming that you can prove that the issue was their fault, and not yours.The problem is that the cost of litigation is very high, likely not worth it.

They are well known and are very tough markets to find deals that pencil out. 

In terms of the upcoming zoom meetings- asking tough questions is difficult.