I have lived in Columbus almost my whole life.

However, you will have PMI for life of loan most likely and there are usually higher premiums to originate FHA loan.

It just makes life easier - they shop a variety of insurers and are more easily able to compare apples to apples because they know how the various companies present coverages.

So, yes, I know the leads I am going after.And just to be clear, not too many things in my life so far have ever been easy, except to maybe mess it up, and I'm not interested in doing that, so I'd rather take the hard way.

Listen to the BiggerPockets podcast for expert advice, read books like "The Book on Rental Property Investing" and "Set for Life" by Scott Trench, and join local real estate investing groups or meetups.

If you buy a property that cash flows $200/month, you would need at least 40 of those to live a comfortable life in America.

On the North Side we run real life at 1-2% vacancy and run our analysis at 3%.

Although I am outside of my comfort zone and feel like an absolute tool (I'm lost and that's uncomfortable), my faith, drive, and want to achieve my family and life goals continues to motivate me to get outside of my comfort zone and push for continuous improvement.  

That ONE will change your life :) GO GET EM.

My goals currently are to help him get to a state where he can live the life he desires.