It will be owner occupied for a minimum of a year and i currently own my own condo which i will rent out so the multifamily will be my primary home.FactsPrice range for the property is 300K - 500KMonthly payment for all properties i have explored with agent is 925-1230 (all the analysis factored in projected rental income and maintenance and most of them were already rented which gave us the rent needed for underwriting)Current cash saved for downpayment = 45KIncome = 80K (45% is 3000/month)Condo PITI+HOA = 720  (currently FHA)(market rental for similar units in my area is 1000-1200)Total monthly debt + Condo = 2000 (approximately 250 is credit card debt at 0% that can be paid off if needed but have been saving the cash for DP)As you can see i will not have enough for a 20% down conventional and cannot go FHA because my current place is FHA financing (the refinancing process would take too long to switch to conventional).

Also, a lot of it comes down to reputation in your market.

The Raleigh market is not cheap - unless you are willing to go into seriously sketchy parts of town (definitely not recommended, especially not for a newbe).Once you have an idea as to how much you can borrow "the traditional way", you can decide to move forward or whether to explore other options (@Brandon Turner  wrote the book on those).

Looking for recommendations for reputable CPA's and attorneys that specialize in RE in Bucks County, PA.  

There are plenty of reputable companies and investments in Detroit, but if you search the forums, you'll probably only hear about the negative ones and tons of negative stories.

Where would you look to find a reputable and ethical private lender for buy and hold properties.

Absolute worst case, you will develop a reputation that no one will come near. 

My suggestion is make sure you use a reputable Title firm and in areas that often don't use lawyers to save a little money....Guess what I now am....

There are some other options we are exploring.

And sales can be made by the reputation of the broker...