I can't tell from your post, but if you are just speaking of multifamily meaning a duplex or triplex to house hack to pay your mortgage, then I would focus on where you can get a good professional job first, then look in that market for a place where the numbers work to house hack.If you are looking at larger multifamily in Memphis, then try to talk to @Erik Nowacki who moved from CA to Memphis to own and manage multifamily.

Patrick Martone I used to work for a broker as an REO Account Manager and the banks' asset managers aren't ever dealing directly with the potential buyers.

They need to all be newly installed by you since in order to apply for this, you need to have ever invoice for your cost to install it.

I know its costing more than ever per lead but I would love to hear from everyone sending direct mail regarding the following;My answers below!

These coworkers prefer the non-urban feel of the area, larger property lots, less dense etc.  

I feel like it works in my head; but has anyone ever actually done this and was your overall experience?

I will try to use this as leverage with the seller as well to get a larger discount.

If you are looking at larger multi-family, that 15-25% down becomes less negotiable but from what I hear there are creative ways to come up with that money.

Happy to help guide if you ever need any advice. 

Has anyone ever compared such figures with actual ones supplied by a realtor?