I'm looking for buy and holds with the hopes of doing flips down the road.I started this journey in real estate to make a better life for my two kids and I.

@Patrick Anibaldi iI dont have any kids yet but I would try to do the same thing!

Additionally, I like the lower down payment with FHA/THDA, especially if you have 3 other people paying down the note.  

If it's mostly younger couples who either have kids or will have kids, then deleading is a must.

Any additional advice or recommendations are appreciated!

I also own a farming business (www.HealthyHenFarms.com) with my wife and 6 kids where we produce and direct market organic, pasture raised chicken to our customers in the Raleigh area.I've dabbled in real estate off and on for 20 years, mainly turning primary residences into rentals as we have moved across the country (NC, CA, GA, VA) over the years. 

When Santa does that the worst a kid can expect is coal, but retailers and community owners can expect much worse.This article is being reprinted from the April 2014 The Finance Newsletter and was authored by employees of The Rishel Group, a national consultancy on chattel finance and seller finance.

A third party will force an additional layer of accountability and precision vs. one person doing it themselves.

Just want to verify this info with you all local professional investors.In addition, are there any property tax discount programs created by the city or state available to incentivize investors to invest in philly, just curious to know as well.

Check with your employer/benefit plan, some have rules that if its not your primary residence that you need to pay back the loan within 5 years, some plans do not let you make additional payments but allow pay off in full as early as you want, also if you leave your employer anytime before the loan is due, you may have to pay it off or pay a penalty.