To things in perspective, this is not a distressed property with tons of chipped paint, it actually has a solid, intact paint job that I think would pass the eye test for any buyer. 

My agent is a friend who also has a full-time job.

I'd like to hear who does a great job for small MF housing and larger apartments as well.

Vinyl siding is definitely lower maintenance, but a good paint job will last many years as well. 

Especially ones that will put your job first.

Id start with that...its either overpriced or there is some issue that other interested parties have found and decided to pass on.I personally don't like buying flips as investment properties......to many crap jobs, horrible workmanship etc etc....and the number rarely workI would run my numbers and contact the seller....see whats the situation

I need help and advice about choosing a lender to finance this first house I have a great really good credit score, and the job I have been offered in Charlotte pays well so the banks like that but I do not have very much money to put down.

I service East Tennessee but would go farther afield if the opportunity was right.Factors like travel, equipment cost, insurance, FAA NAS (national airspace system) research for the prospective area, weather monitoring etc. all take time and money, so I turn down jobs regularly that expect bottom dollar.   

@Charles Stanback ,Population growth, job growth, crime, schools, taxes, occupancy levels, labor availability, etc. are just some of the factors that play into it.Larger macro-economic things like credit markets can also have an impact at a given time,

I drive for dollars occasionally, but I don't believe it is yielding enough results as small multi's are not very common in my target areas.