Now its time to step up to the next level.

However a bank will only give me 75% LTV which is about $190k. sooo I'll have to make up the difference of about $20k which I am fine with. my question is, is this really a deal worth pursuing?

First step is to find local investment-centric realtors in Las Vegas, Fresno, Albuquerque, Madison WI, or Reston, VA. 

Check out the FilePlace -> ebook ->  10 Step Guide to Buying and Holding A Small Multi-Family Rental Property.

I decided at the time that I wouldn't pursue it as I convinced myself it was risky in case the neighborhood turns for the worse.Well, the property I purchased ended up renting very quickly and for $200 above the projected rent and the property next door just dropped in price, so it's looking attractive again.I'm hoping BP can convince me one way or the other. 

The BRRRR calculator takes it a step further and shows the results you get all the way until after the refinance. 

I took my first step and bought a SFR in Indy from a wholesaler.

I read and take notes on 40 pages from these books and more every single day and I’m ready to take my next step.

While most of us here will give you advice based on scalability, i also think you need to consider investing some time in education to feel more confident in taking the right step.

I think your first step might be to talk to a realtor, especially VA/Military friendly one.