I started looking into the FHA streamline product and spoke to my lender about it.

A plumber told me that the primary difference between rheem product warranties was the size of anode supplied with the water heater.  

Apartment demand in the Phoenix area is high, the demand far exceeds supply at least for the product mix I have under management.

The Vanderbilts who were as wealthy as the Rockefellers at the time did not use this strategy and eventually their net worth evaporated due to many things.Unless you have a license to sell life insurance and know how to structure the policy for the client's goals, you shouldn't be knocking products that can and do benefit MANY people -  especially those who have maxed out other tax deferred accounts.By the way fees are paid over the life of the policy, not all up front.

congrats your doing all the  vertical as well or going to sell lots to production guys. 

Find a non-bank lender or broker who offers bank statements loans - this is literally the situation that these products are meant to tackle.

I would say take a deeper dive into the nearby product and see if there is a premium in rents for a duplex unit versus an apartment.

Regarding bookkeeping/accounting, 100% of the feedback I've gotten from REIs who have tried to have a VA help with their bookkeeping is they had no clue what they were doing and they caused more issues than before they were involved.There are great groups out there such as the "Bookkeepers for Real Estate Investors" Facebook group where VAs can get the education they need to be productive within REI bookkeeping.

The average price per land for urban infill going 6-12 stories high on a higher density product is about 5 million an acre up to about 25 million an acre. downtown market premiums I've seen at the highest are 1200 a sq ft. in columbus you can get land about 1.5 million per acre downtown at best price, sells for about 600 a sq ft max, very little competition compared to miami. tampa I didn't really look at too much because miami has 22 zip codes that you can build at least 6 or 8 stories on and just a much better landscape than other markets. tampa is a little bit bigger than columbus but in my opinion more of a suburban market. miami is landlocked and very limited so everything is in redevelopment. both are amazing opportunities but the barrier to entry is much higher in Miami with the smallest plots of land infill going for at least 1.5 million I would say in areas like Wynwood Norte, Wynwood, etc. we looked all over but prefer east of 95 due to the condominium opportunities. multifamily is very strong in both markets but the condo premiums make it almost silly not to do one from the start and the use of deposits versus a single asset lease up and disposition is a longer sales cycle than the condo buildings being sold out prior to completion.

@Edward Heavrin: Both options, but at a high enough equity you kind find long term mortgage products that will allow cross collateralization, so you can use those high equity or free and clear assets in lieu of down payment.