I would combine that with the utility averaging and billing back if possible.

Does anyone actually use purchase options/tenant buyers/seller financing or any combination of creative financing in today's marketplace?

That is something I need to look into in combination with job growth.

Nice to see you are experience in several areas, which will service you well as you combine what Bigger Pockets has to offer such as: word alerts feature, forums, ebooks, blogs, podcasts, webinars, informative people in many fields of real estate, contacts, and more.

Combine your experience with Bigger Pockets various resources some were mentioned by @Dmitriy Fomichenko., forums, blogs, webinars, podcasts, colleagues, an awards system, a learn section, informative people in many fields of real estate, and more.We are considered to be the average of the 5 people we spend the most time with so connect with REIA meetings, accountability partners, and mastermind groups to engage with individuals interested in real estate investing.At bottom of this page is a list with help in it.

Some may think those experiences/skills are on opposite sides of the spectrum, but the combination of the two have enabled me to become an entrepreneur and explore diversity of other roles.I am glad to have found this collective wealth of information and look forward to meeting and learning from many of you!

And the cure is almost as bad as the disease, since the only reason that gap has been closing is because of the weak dollar, which combined with the Fed's monetary policy is making everything more expensive for consumers here in the U.S.

"Modern" - 30 to 40 years old.

As I remember a combination of days on market at 30, 60, 90, etc they lower 10% and if your offer is in the negotiable range they will comeback with an offer at their lowest acceptable, found it to be @81% of asking price, so if offered at right time can hit one for 71% of asking almost every time.

There are some business/commercial banks who will lend you up to 80% but the terms will not be as favorable as 30 year fixed Fannie/Freddie money.It sounds like you have an opportunity to obtain up to  70% on the 2nd 4 unit.On primary residence there are opportunities to obtain up to 80% on a first loan and combined with a 2nd line of credit opportunities to obtain up to 90-100% of your home equity if you so choose.