., but we still see affordable units in other cities that can generate a decent cash flow.

Get the thickest wear layer you can afford.

As thick as you can afford.

The lender/underwriters will have questions about your intentions to actually owner occupy on the FHA loan.As for team: many of us agents have great lenders and contractors, I can connect you with a good PM as wellAreas: LOTS of areas that you cant go wrong, I really like southwest denver for affordability and access to downtown. 

If I could afford 20% would it be better to put more on a down payment or keep the funds for the examples you listed?

It's a great first step to get an idea of what you can afford and how soon you can make your first move.

which mind you is not as luxurious as it sounds, as where there is poverty, there is always the darkest sides of humanity, and I only know this because I came from poverty... yes, here in Hawaii... the side they don't share with you on TV and magazines... its tough here for locals sometimes, especially in markets like Hawaii where affordable housing is limited, and the normal market rents are just way too high for single income families.

As someone who is in nearly every facet of the business. 1 door is the same work as 4.

The next step would be to see if the market can afford new supply. 

Pretty affordable, but not rent-free either, given that information, is it still worth it for you to live there?