Have you confirmed insurance and taxes with an agent and the town?

Even if you ultimately by with Memphis Invest a second local expert who will not try to sell you would be a good route to go in your exploring phase.  

I do not have quite enough cash to make a full 20% down payment, but am exploring borrowing 10% and putting up 10% of my own to avoid PMI.

What part of town do you have four plexes in? 

That's a great way to get into the business.A few tips that may be helpful to you here on the Bigger Pockets website as you build your portfolio:You can set up keyword alerts so anytime someone posts about Layton (or the specific neighborhoods you're exploring), you'll be notified.

Both will probably help you as you jump into real estate.A few tips that may be helpful to you here on the Bigger Pockets website as you start building your portfolio:You can set up keyword alerts so anytime someone posts about Jacksonville (or the specific neighborhoods you're exploring), you'll be notified.

I think it's a great idea to connect in town investors with out of state investors.

In Nassau, they can easily be $15,000 to $30,000 depending on the town.

Please reach out when get back into town.  

Make sure you set up your key word alerts so you can stay tuned to what going on around town.