Please rethink your focus on buying near Disney just because it is near Disney.I congratulate you for being a high income professional. 

Life happened and I needed to move out of the house and it just so happened a there was a house being sold wholesale  "as-is" a town over and my mentor suggested i buy the house and live there while i fix it up.

Buy once, cry once.

For example, interest rate buy-down, home warranty, etc? 

The rate difference between FHA and Conventional is actually over 1% right now for Multi family propertiesCurrently the rate offered is 6.75% and 193/m in PMI (private mortgage insurance)That makes the payment with taxes and insurance roughly:$3453/monthTaxes were $3820, and insurance is $1800/yrCurrently this building can rent each 2 bed unit for up to $1800/m with tenants paying all utilities.All in cost to close is: $71,414.64If you rent both units for $1800/m you can expect gross cash flow of $147/mThis is the reality of buying a turn key duplex in the area using todays rates and prices.I want to stress, that this is actually considered a great property and deal in todays market for the areaYes, prices are high, and so area rates...My goal is to show what is actually going on.

You will be blown away with what you can buy for $10.

You have to remember you make your money when you buy the house .

I'm in the Chicago market and we are seeing a lot of multiple offers, bidding wars and aggressive buying strategies.

@Trey Campagna without knowing much about your situation I'd say the first thing to do is to use a VA loan to buy a primary residence with as little money down as possible and the lowest interest rate available.

Trying to get a 46k loan through my credit union to buy a house off of my dad.Bank just denied me, due to my Schedule C reporting a loss and apparently my Net Income on the schedule C was about 23k.Did my accountant f*** me hard?