When in doubt, neutral.The higher the rent, the higher class of renter (most likely).Upper class rentals bring in upper class people, but you have to have a property that attracts them.

I don't doubt you can find some good cash flowing prospects in those areas; some attractive school districts, affordable property, close to many employers, etc.

It is a big bank and I doubt very much that they would take pity on a minion like myself, but I guess it is worth a try.  

It's been a great learning experience without a doubt but if I could do it again, there are a lot of things I would do differently.Don't be too eager, as in don't buy something just to buy... be patient, run the numbers, be conservative with your estimates, make some offers and eventually you'll find a good deal.

When in doubt, call the regulatory agency.

I doubt you would get a cheaper quote from a different title insurer.  

Ben is no doubt a smart dude, but he has his own weakness IMO.

I agree, it is the place to start learning real estate.There is just no doubt about it, you need a good BS Meter to invest in real estate, you can't calibrate your BS Meter without understanding the basics of real estate.Starting out, who you listen to and what you learn is the difference between success and disaster. 

If you are able to find a lender willing to do what your asking, I doubt the first loan is going to be fixed after 5 or 10 years. 

They are value added, no doubt.