I did all of my loans with small local banks in my area and was always happy with the rates and service.

Unless you bought in D class, very low appreciation area, you should be sitting pretty. 

This normally would not be an issue but the cost of the water/sewer is extremely high in this area and specifically because the meter is a one inch, the costs are much higher than a normal 3/4 inch on a non-duplex. 

That area shaped me and I loved it there.That's awesome! 

Sewer and water in my area is around 10k a unit.

Personally, I think this company is probaby about to go out of business - they have lots of inventory, and it's not exactly prudent to be investing in FL in the coastal areas now anyway.  

Hi Vinay, I have been living in the Jersey City/Hoboken area for 14+ years...and also have a few rentals in the area. 

Here are a few suggestions on how you can maximize the wealth of information available: Check out the blogs and podcasts, or take advantage of the search feature (magnifying glass).

Looking in the Texas area for my first deal of 32-64 unit MFH.

For properties under $300K, you can definitely find okay options in these areas.