You say the bill you received was 3 - 4 TIMES what is normal.  

I would visit local meetups for real estate investing, and also network with agents in your area that work with a lot of investors.

One challenge to manage is being able to clarify for lenders on those rentals (if you have them) which amount of the premium should be paid for each rental so that they do not include the entire premium into their escrow analysis, inflating your monthly payment on that rental. 

I didn't at the time.  

Next steps include analyzing deals, connecting locally, and studying financing options.Good luck!

For real estate just start analyzing as many deals as you can so you get more comfortable and confident.

I would like to discuss it with you if you have the time. 

.$130k debt on home including HELOC,  monthly mortgage & HELOC $1,155 month.

I appreciate your time and thoughtful responses.

--- We've had this discussion with Zillow several times and asked them to create a separate category for 2-4 unit properties.