It’s really amazing to see you getting started in real estate at such a young age and Out-of-state multifamily investments are a great way to begin. 

.- Personal Articles: Coverage for belongings that have a special or collectors valuesuch as Jewelry, Furs, Fine Arts, Collectibles, etc...Your age should not be a factor on the pricing but, depending on the company these other factors may get you credits:- Insurance Score (company pulls certain info out of your credit report).

I've been at this a while and have over 70% equity in my combined portfolio, and I'm over 50 years of age, so I don't look at creative financing options. 

I've tried a couple - truepeoplesearch, white-ages, property radar, leadsherpa, batch leads...Some services are better than others, but it is a numbers game and you also can cross check between different platforms.

@Polat CaglayanI've never seen a formula but here is a general rule of thumb for multifamily:The class of an apartment refers to the quality of the building, which can be determined by a number of factors, including age, location, and condition: Class A: These are the highest quality apartments, typically built within the last 15 years.

Not to mention the tax benefits it allows. 

I started at age 20, dead broke with no experience but hungry with lots of time on my hands. 

Myself all but one of my deals is all cash no debt.. and of course on a personal level no debt is were we have to end up at retirement age. u cut down how many investments you need to make the same cash flow much better safer and easier.. but i get it for those starting out debt is pretty much required. 

Your referencing effective age vs chronological age. 

You also mentioned you started pretty young, I am 18 and just purchased my first college rental, any tips?