@Nathan GustafsonWith regards to HML recommendations, you can use the 'Network' tab on BiggerPockets to search a list of reputable HMLs.With regards to the downpayment, @Brett Tvenge provided some solid info.A reasonable expectation when using an HML is for them to provide 80-90% LTC, or 80-90% of the total project costs with you bringing the remaining 10-20% of the project costs to closing.Best,Michael

If you'd like to explore different areas, would love to help you, PM me.

Prior to real estate, I was too scared and comfortable to explore outside a 9 to 5.

You should be able to show equity and debt options to even go under contract.However, if you get something under contract, but don't close, your reputation is tarnished and people will not want to do business with you.I pay wholesalers, they either want 4% or 20% if double close and paid for Phase I, ALTA survey, site plan, zoning analysis, lease abstracts, etc.

And the homes if you choose like i do  Stucco  tile roof less than 20 years old A B class you can actually self manage those from San Jose.so thats another option to explore.. dont just let price dictate and for sure dont go chasing Bps  that will come back to bite you.PS Steve is one switch on smart landlord I would read as many of his posts as possible from the owner do it yourself angle..  

I definitely plan to explore other options soon, thank you for commenting!

With a multi-family property, you could also explore the option of utilizing the RUBS method for allocating utility costs to tenants when utilities are not split but there would also be an increase in your property management fees for such an arrangement.Let me know if I can help with any additional questions!  

This one is tough in the beginning if you have zero real estate investing experience or reputation.

When a building has a bad reputation you need to go a little higher on finishes (hence the kitchen) to attract better tenants at turnoverDid you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

I imagine changing it could affect my mortgage and insurance as well but want to explore all options and make the best practical and financial decision.