We've basically eliminated all of the worry about investing out of state since those who we connected with are experienced investors and/or brokers and have worked with contractors, property managers, and lenders in their respective areas.We hope to begin making offers within the next few weeks after we get through the pre-qualification phase with the lenders they recommended.

You can check with your lender, but typically they'll also only allow you to use 75% of unit #2 rent in your qualification process.#3  if you want all this:   "My most consideration here is now ,since i want to buy with FHA , i need to stay in 1 unit with my family. so i need to think many factors like school ratings, safe neighborhood, high rental demand place(where tenants occupancy will not be issue) , less natural disasters, less gun shots ext."   

If it's a larger organization, feel free to inquire about their staff qualifications.2.

If it's a larger organization, feel free to inquire about their staff qualifications.2.

The problem with his course is that he makes the qualifications so that he wiggles his way out of the deal.

@Alan Tripp the type of lender depends on the deal and your qualifications as the buyer.

I'd say do your research and reach out to a bunch of them, because while the general concept is the same for most lenders (Rental income > PITI(A) payment) some have different qualification metrics and pricing adjustments such as FICO thresholds, LTV, prepays, lender points, etc.

An insurance premium that is double the initial estimate or Pro Forma is not going to help anyone's bottom line, and when lending qualifications are tight or a borrower's Debt to Income Ratios are in play, could be the difference in qualifying for financing or not. 

The larger the loan, theoretically the greater the risk, but lately Jumbo pricing and qualifications are some of the best value lending options available.

I say that because once you look for a property to purchase, sellers typically want to see a pre-qualification from the bank as proof you can afford it.