I've seen a lot of conflicting advice that cautions to avoid areas with high crime rates due to complications and extra costs from the tenant base and property crime.I understand that both cities have shown crime rate improvements, but their overall rates are still way above average.What makes these cities attractive for investment despite this?

With 30% down your options are thousands of lenders.Why is it unwarrantable- master policy not enough coverage; low occupancy rate; HOA reserves; cannot be rebuilt or repaired; pending lawsuit in the less than 10 year after built for construction defect; flood zone with no flood policy...?

Charge the tenants a higher rent rate and include utilities with their rent.

Payment of this fee by you does not represent a waiver by us for this breach of the Lease.

Cap rates, location, and understanding the cost per door alongside your mechanicals and capex is going to be key when buying multi-family. 

Like many I refinanced in ‘20 and locked in a 2.8% rate on my current property and I assume it can cash flow around 400-500/month if rented, or 125-140k net on a sale. 

Currently in escrow on a townhouse (cap rate ~ 5.25%). 

I set the monthly rate based on Airbnb's suggested rate (market rate) and the 20% discount per month.

Huge win.I quoted a fellow BP follower a 6.75% rate on DSCR.

We use Rentec Direct and really love it.It collects our rent, applies late fees, deposits our rents in our bank account, tracks expenses, screens our tenants, markets our properties, generates forms we can send out for docusigning by our tenants, tracks leases, and much more.