Do you really think that the 3 seconds it took you to swipe over your account number with a black magic marker is the highest and best use of your time? 

You mentioned FHA, so I'll assume you intend to owner occupy.FHA 3.5% down as you identifiedConventional 25% down as you identifiedConventional 5% down if your income is in the magic goldilocks zone (hint: it probably isn't)Conventional 15% down is also out there for owner occ duplex

*checks magic crystal ball* nah it's good. 

Knowing what makes a good comparable, and adjusting appropriately is where the real magic happens though!

The most common regret I hear in seasoned real estate investors seems to be related to selling homes, because (like the equities market and most investments in general) the real magic happens over time, and you have to be "in" the market to play.

There are no magic numbers or standards.

Hello Pita, I have lived in the Magic Valley my whole life.

She does her magic and numbers make sense and in contract and closing it tomorrow.

Also because the market is rising, I expect appreciation will work it magic.... more money by holding this particular property.I stick to SFH, I wont touch multi housing in Detroit market, way too much risk in my humble opinion and I certainly do not need the headaches.Selection criteria for tenants is absolutely critical...

None of us have magic crystal balls but I given the data coming out, from all angles, there will be another dip in the next 1-3 years.