Saving small increments for a number of different things (paying off credit card debt, getting licensed and insured, wedding expenses, down payment for investment, down payment for primary home) I'm a little overwhelmed to say the least. 

I have some buyers actually looking to buy something on some land and build a couple small units and turn into a bed and breakfast.

We have been doing small group classes for new investors to give them the tools to make informed decisions on properties.

Small business owners?

Little falls is a small town and they have a big complex at the falls and a big apartment complex next to that, also some areas are prone to flooding, so you need to be careful there.

Hi,My ultimate goal is to own a ~20/30 unit or more apartment building for cash flow.  Location isn't really an issue since I'd hire a property manager.I want to start browsing deals and learn how to identify a good d...

,I have some small studios I rent out in San Jose furnished and over 30 days.

I hope this helps.Being it's your first one, I would advise hiring an attorney and you can call title and pay a small fee for that info. 

I am not a big dog in this world so take my experience as a data point not the gospel.1) I do my own mail and us a local VA for a small.

In our state the EMD is usually small 1-2% then there are contingencies with the agreement.