It seems like most people we've been working with in a similar situation take a 3 year prepayment penalty or less. 

@Jon Martin people do get tripped up by this.

-JulioThank you very much Julio, truly the people here are amazing and looking forward to connecting with them 

However, not many people are eager to do that.Once you’ve established your budget and your level of comfort with sacrifices, buy the best deal in your market.

Ah, just learned I can tag people :) @Brandon Turner

Daybreak is a bit polarizing, some people love it and some people can’t stand it.

Why would they lend it to people who may or may not pay their mortgage.And if you claim the real estate "market" is going to rise then you have a lot to learn as there is no "market".

I would love to connect with people who have experience in this area or even a mentor.

Also, connect with other like-minded people in your community and attend as many in person meetings at your local REIA groups to network and connect + find out about off market deals and get on local wholesalers "buyers lists".Best of luck!

Secondly, and it's just a pet peeve of mine so sorry if it seems petty, but if people want to get serious about investing in Pittsburgh, I'd highly recommend realizing we have an H at the end of it.