Quote from @Brandon Croucier: Hi Kathy, at the end of the day the mortgage industry is so vast & wide it's essentially like trying to navigate the Sahara Desert.I highly recommend working with an experienced mortgage broker who knows the ins and outs of the industry to place you into the most competitive product for you.More times than not, people save money working with a small shop broker.Kathy,I wanted to revisit this to offer a a tad bit more and Brandon above is correct.

FYI, we were able to get a 5.5% rate from their recommended lender with 20% down.  

@Daniel Carrillo if you have not connected with @Jackson Harris already, I would definitely recommend connecting with him and his partner @Jeremy Holden.

On the other hand, many landlords were able to obtain low mortgage rates during the historically low interest rate environment during the Pandemic, allowing them to offer a much more attractive housing cost to renters.

I recommend that they use a property manager.

Are there any other neighborhoods you recommend?

Provides first-hand recommendations of the renters historical renting behavior.

I personally recommend people look into an FHA on a small multi to get started.

Any recommendations? 

I always recommend checking out reviews as well.