I want to confirm that I am correct:For the first multi-family, which we are going to occupy, I can put down 3.5% with an FHA, whether it has 2, 3, or 4 units?

If you have solid references and you are a seasoned, licensed general contractor we are looking for you. 

We are also looking to hire some agents in our office if your interested.

I believe their fees are a little lower, but we are still in the early stages so, I can't recommend them yet.

I would love to meet up with investors and speak about the current market we are living in and where it is heading.

We are now preparing to strategically grow our brokerage business, and we would like to approach the process with a "blank slate" in order to not bring in a "traditional brokerage" mentality.  

All lenders are different, and some do require 20%+ down.In reference to Andrew's comment, we are a true no money down lender.  

We are currently paying off the last bit of debt (not including a auto loan, which if that will hurt us please let me know) we have which should be done by November and then we want to go straight into our first investment.

We are differing on the utilities, maintenance, capital expenditures, and vacancy rate.  

We are searching for one that is user-friendly and has a module for presentation purposes to lenders and investors as well.