My name is Ed Engle and I've been browsing BP for some time now but never posted a formal introduction. 

I am also constantly browsing the marketplace for duplexes and multi-family which are in the C and D neighborhoods of the area.

Be sure to browse the forums, read the blogs, listen to the podcasts, tune into the webinars, and of course, don't be shy to reach out with any questions you may have.  

Elizabeth Colegrove I think the reason you seem to be getting some conflicting guidance here is because the answers you are getting may not be "Homepath specific".I browsed through the Homepath lending guidelines at some point and believe IIRC Homepath criteria for a "Homepath loan" will allow 10% for investors on SFR.

Browse this forum and see who you like.

Hello all, I’ve been browsing the forums since sometime mid-summer last year.

I am a complete newbie to the field of real estate investing, so I have spent the past week on this website listening to podcasts, reading blogs, and browsing the forums.

Welcome to BP @Matthew Dale , be sure to browse through the learn section above, its loaded with great information, and you can set key word alerts to keep up on topics of interest to you.

Start browsing the blogs and all of the forum topics.

No HML would EVER lend you money in less than 8 hours.It takes time to process the information, research the location, check out the comps, get the credit check results back, eat lunch, waste 15-30 minutes browsing youtube thinking about the risk, paying someone from CL to go out to the location, take the required photos, send them back to you, moving the money, and sending the wire.Also, no such thing as "loan insurance".