. ($180k for the larger, $120k for the smaller) and that's pushing it. 

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I know all I need is to get my first multi-unit and the rest will follow but it is so hard to save cash.

Zoning needs to be your first stop at the city offices followed by a visit to the organized event permit office.

I got involved the day before auction and now its been pushed back 2 months.

Sounds like it could be a great opportunity, definitely follow up on it.

I buy with 25% down on all my properties, and I buy in areas with strong demand so that my value gets pushed up and my rent gets pushed up.

Most HML don't want to follow those expensive and complex rules, so they just say no homeowner loans.

If you only manage to collect 9 months of rent a year followed by a nasty protracted eviction after which a tenant leaves your property thrashed, those returns start to look a bit different.

I’d consider the following hoods- some in Northern KY- Northside-Clifton-Newport -Covington-Bellevue-Northside But as just about everyone will say, parts of the neighborhoods referenced above may dip into Cish areas, but that’s why ya need to come see them for yourself.