These days all the offers I'm writing are for all cash from high net worth individuals. 

You might put more value in financial and your wife is thinking emotionally for the happiness of the family etc.In future years on an ARM if you see that rates are rising past the threshold of the ARM then you might want to refinance for a long term fixed rate at that time if you want to keep the property long term.

@Alex Craig  unfortunately the cycle in these price point homes is just a rinse repeat cycle.. burnt out landlord syndrome.. local wholesaler investor snags them from out of area buyer tired of losing money.the chances are greater than 99% that htis person will never make a dime first 3 months his cash loss's will equal 3 to 4 years of cash flow so he will never catch up... and now he is stuck.. property as it sits is probably not worth more than 15k or so to a local wholesaler / low end turn key buyer... sad but true.And its why I always preach on BP buy the BEST you can buy not the cheapest.. the cheapest in the midwest markets is only appropriate for locals that own lots of these and do it for a living.. these are simply not appropriate for out of area passive investors they get killed financially .

Downside is split single contract into two, double closing costs and increased mortgage insurance costs.MY QUESTION:Does this sound correct, or is the underwriter mistaken...Do multiple townhomes require their own individual loans for each single unit (even if apart of the same structure)?

I've not spent a dime on any of those.Yes I am new and exciting m proceeding slowly with plans of financial independence.

It all depends on the numbers and your financial situation.

I think where I'm at both professionally and financially, finding private funding makes the most sense, but I'm not sure where to even start. 

I realized a couple months back that i could honestly read everything there is to know about real estate investing but if i don't take the necessary action my dream of becoming financially free before i turn 30 will never manifest and being a couple months from being 25 i don't feel as though i have much time.

I'm 19 years old and I'm in the process of financial freedom for my family and I.

I'm looking for individuals that are looking to get better at what they do.If your interested please let me know.