Betting on appreciation is like gambling in my opinion.  

After realizing the market is essentially gambling, I started looking to real estate as I love the idea of having my money in something physical and real. 

But we found a property managers online who are ready even to purchase a home for us.So my question is how to check if property management company is authentic?

If you have a 12 unit that is generating positive cash flow, and your bank is telling you they prefer to gamble on a flip... that's silly.

Provo is a great place and will not likely drop much even in a downturn (I have 2 buy and hold rentals there now) Trying to cash flow any new purchases in Provo is extremely difficult unless you buy condemned property and rehab it all your self (and don't mind still paying $150/sq ft for that) There are to many wanting to pay too much and gamble on appreciation.

So most people will end up dropping term contract.As to believe that invest the difference and that difference would be their self insurance is a gamble.

As to your comment  Ryan about major markets always seeming to appreciate, I agree but I don't want to gamble on that. 

The ones that do great are buying deeply discounted properties and adding value or gambling on price appreciation in great RE markets that have benefited from the market rebound following the recession.  

Most of the online classes require frequent authentication to note that you are spending the required time on the material so audiobooks may not be an option.  

I was a renter in Minneapolis for ~ 6 years, the biggest thing for me was location.I would gamble on the Blue Line Light Rail expanions, as it will allow better transport in and out of downtown to those further out.