Specifically the area I marked in yellow.Any help here would be highly appreciated.Thanks!

If you are looking to expand your knowledge I highly recommend the webinars BP offers. 

You’ll learn the ropes on how to be a landlord with a lower risk/higher quality tenant-base. 

Sometimes hard to find this happy medium in rate sheets, though.Another consideration would be taxes - points are typically treated as interest, so if your tax obligations are high this year vs being higher in the future, then this could also impact buying down now vs paying a little more in interest in future years. 

Contractors, unless you have a working relationship with them, normally do not want you bouncing ideas off them.Understand what their hourly rate is, have a discussion with them that you are okay with paying them an hourly rate if they walk the property with you and provide you a scope of work along with an explanation of what you can/can't get away with in regards to improvements.ask them if you go with them, if they can credit you the amount that you paid.Once you develop a working relationship with a few contractors, you can bounce ideas off them and expect quality responses.I do not invest in New York.Best of luck. 

BiggerPockets also has a calculator to analyze deals, and I highly recommend you start this as soon as possible, even if you are not ready to buy.

Their fees and interest rates were high, but they had the least restrictive approval terms from what I gathered.

BiggerPockets also has a calculator to analyze deals, and I highly recommend you start this as soon as possible, even if you are not ready to buy.

1 of my kids went to prospect high.

I am a complete rookie zero experience, zero properties and highly determined to get into multi-family investing.