The higher your score, the better your rate and I doubt they mention the self sustainability requirement for FHA when it comes to 3 and 4 units until you get pretty far into the transaction.You need a decent broker that can help you navigate the mortgage waters; not a bank or a clearinghouse because they don't have the breadth of products you need.  

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However, if you're specifically set on one of those markets I'd recommend Kansas City - landlord friendly state, lower property taxes, increasing population and diverse economy, a good supply of potential rentals that product good cash flow with a decent chance of future appreciation.

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Hey everyone I believe I have had a recommendation for a HELOC with CACU here in Kansas City and I think they have a great product but it is not I/O payments.

I assume there would be articles like “the only place in America with declining home prices”.  

If you have a high income, you might qualify for some loan products since you have a good FICO score. 

Properties can over time, be it deferred maintenance or neighborhood decline, become a not so desirable investment for someone, at that point can they not sell their land or building to someone else? 

During 2008/2009 properties inside Loop 610 saw the least decline in property value.