I figure, once I learn the new system, the extra hour or so of work completing the forms is well worth the cost savings.  

The tenants had extra people sleeping on every spare surface, hypodermic needles embedded in the carpets, used diapers thrown in a corner, holes in all the walls, cabinets torn down, cigarettes put out on every surface. 

"Oh,we have had quite the traffic we even have someone interested who is an insurance relocation, they will pay 200 dollars more but it is only a 6 month lease...don't worry though you will come out on top with the extra 200" This really got to me (in a bad way) I didn't even write back.

I am currently a real estate agent, and working full-time to build up extra capital to invest in rentals, flips, and note investing.

@Marek BerrySeasonality does play a part but buying at the right price (with the understanding you will likely have a little extra hold time) will always cancel out the more minor aspects of a deal, such as seasonality.  

I am a licensed HML here in Oregon  that requires a NMLS license however don't owner occ as the liability and the extra paper work are not worth it.Credit union I bet will help you with  free and clear home

, but was unable to take advantage of the opportunity due to the problem of funding the extra $135k due a few weeks later.

@Stephanie Minor yes, I plan on getting a FHA loan for my first property, I'm looking towards a 4-plex but am hesitant in pulling the trigger due to the extra landlord-y responsibilities that would be involved in maintaining the units and tenants.

That said, the overseas investor (investor outside the USA) does have extra friction, hurdles or problems.

I'd structure the monthly payments so that you are making the mortgage payments yourself and giving the seller a little extra that goes towards the purchase price.