*I'd like to quickly add that my ultimate goal is to utilize a combination of judicious flips and long term rentals as a vehicle to build enough passive income to quit my job and finally LIVE.

It can get up to 15%+ combining the home and auto and other policies.

@Ken Latchers I also don't think the world is going to end, but on the other end we're looking at 3 times as many deaths as SARS and MERS combined already.

So in the worst case, I'm living for free.Other variables: It's a 1-acre lot that's zoned for multi-family and has enough leftover space that I could use someday for a triplex or just divide it and sell.New roof in 2019, new hot water heater and HVAC within the last 3 years.The utilities are combined so I'd either have to include it in the rent or work out another solution.I think I can get it at $120,000 with either 15% down on an investor loan or 5% down on a conventional mortgage.Taxes: $950Insurance: $1200I would manage it myself for now.In my various scenarios, I either run $1000 a year for expenses for living in the main house and renting out the MIL suite or up to $3000 a year in expenses for the student rental scenario.

@Rodeler Youte I'm using a combination of multiple financing methods.

For example, if neither party could purchase the property on their own, does combining resource create benefit? 

Where I'm going with this, is that the combination of narrowing your search and using a VA loan might really focus your search.

If they are on adjoining lots, you might see if a lot line adjustment can be made, and combine them into 1 parcel, so you can do the FHA loan on all 4 units?

They're called portfolio loans because the lender typically keeps them in their own portfolio and doesn't sell them on the secondary market, which means they are unique product offerings specific to that bank and don't have to conform to Fannie/Freddie rules.

Hey BP folks,I wanted to 1) Set up a team in Orlando and looking for an investor friendly agent to help me target a combination of single family and multi family homes to BRRRR.