Place is undecided so far.

I plan on living in it/flip asap. so im undecided whats best HML or FHA.

Thanks again Bill.I wasn't feeling I need a carrot ... was just trying to understand how you were articulating the handling of late fees an/or a stepped interest rate.I'm not so much skittish over motivating the borrower as I am undecided if this is the best use of capital ... so I guess it is me, I am trying to motivate ... which is a strong indicator.I do not believe our interest rates are going to move much in three years, so I would set it at 9 - 10% (the BoC 5yr rate +3.5 - 4.5%) and leave it there; the more I think about annual adjustments, the less I think it is worth the effort.The threshold for criminal usury in Canada is 60% {all fees and charges are counted as interest on the original principal}.

At the moment I am saving up for a down payment but still undecided on whether to target single families homes or multi-family using a FHA loan.

I was hoping to get an FHA loan; although I am undecided if it would be better to pay a low down payment but then pay a large monthly payment due to PMI or if I should use my starter money to pay the 20%.

-Multi-Family Home 4 Bedrooms4 full Bathrooms-1,736 sqft-Built in 1986-Front unit needs work around $6k (floors,a/c and cabinets) tenant pays $575 month-Back unit is in way better shape but tenant pays $400 since the work on the unit was done by them  (needs minor repairs at  $2k to upgraded)Seller is asking $110k (property has been trying to sell for  100+days)I ask my agent to offer $65k but the counter offer came at $75k.......I think we can get a deal at $70k not 100% sureI'm undecided on what to do ?

., and from what you write, it seems to have been exactly that.I would offer this:I am undecided, but positively inclined towards Boston AREIA in Medford, and I have heard great things about Ann Bellamy's Black Diamond Investors Waltham meeting (she's on BP).As for the networking point made above, I partially agree.

quick question that I need some advice on, Ive been undecided if i should become a real estate agent, real estate investor or both.

My business plan was to invest in one property (buy-and-hold) either SFR or MF in the SoCal region (undecided on purchase price but probably between $200,000 - $400,000?).

Regarding partnerships: I am undecided.