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.

You may be able to get a cheaper loan, or one with a lower down payment. 

You’ll be near the lower end of that if you do 15 year vs 30

Also, if you plan to house-hack your property you may be potentially qualified to get FHA financing which is much lower than a typical down-payment of 20%.