A variety of factors have increased prices including a strong economy, limited inventory, and probably as much as the previous factors - management companies lowering their splits and a large portion of buyers self managing.When management companies are lowering their splits and owners self manage it enables them to pay higher prices and obtain similar/better returns.

There is so much more to know about the poster and the two lenders before you can opine on what the steps are for him to procure this property.

Also, once you have seen the home with the listing agent, they technically have procuring cause in order to get a commission, (atleast in michigan), so trying to switch to a different agent midstream would likely cost you either the deal or additional money because you would have to pay your own agent out of pocket. 

In Real Estate it enables you to do what is needed in the short term such as purchase a property and or Rehab it and or flip it etc...

Ideally I'll break even while I'm living there, and then cashflowing good after I tenant both units. 

These deals do not come from brokers as I am the one who procures them.

I guess I could speak with a loan officer about procuring an FHA loan on a property that is already fully occupied and see if it’s possible?

These lines of credit can be used to make you more competitive in the marketplace because it enables you to do things like buy properties cash. 

Competition is fierce—procuring property, fixing them up to rent or sell, or listing them, etc.

Jeffrey, how did you procure local housekeeping and maintenance?