I don’t ask for any lower agent fees when selling and she gets paid when I buy so it’s a win/win.

Water runs down the street, and enters a thoroughly inadequate drain - it is both small and horizontal so it clogs easily - and then over flows, running down the stairs to the lower patio.

A benefit of a USDA loan is that it has lower credit requirements, and it offers 100% financing, but there are income limits. and if you find a house in a USDA eligible area, you're going to seriously limit your market for rent and/or resale due to low population.

They are not increasing taxes on some of the lower end properties.

Lots of banks are closing down lower performing branches these days.

recently purchased a 4plex in HB, Ca.We are on state farm insurance and everything is fine, decided to shop around and noticed that USAA is lower with similar level/amounts.USAA however required that all tenants i forget the exact phrasing but something like "tenants for at least 6months"Now i said that my tenants have been there for over 10 years, and are technically on month to month now.

Any advise or loan products I should be aware to lower my costs and preserve capitol?

That would put the bank at a lower LTV and they might lighten up on their requirements.

Contact banks and see what additional loans they can offer with lower down. 

I’ve been looking at areas like Newark, NJ and Philadelphia, PA , which I find attractive due to lower property prices and property taxes.