----------------------------------------------------------------------------------------Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a Class A property in Class D area, what quality of tenant will you get?

Again starting out seems like the harder part - especially if I've never done it before . aside from my own townhouse (In CT)  - That's the only property I own and have equity in .

Congrats on getting your first investment property up and running. 

Small town lender familiar with the property.

Just make sure to check local zoning for mixed-use properties before you dive in. 

the first property I purchased was in Cleveland back in 2005 a single family that I purchased for  22k cash and i rehabbed it after work and on weekends this property was in the hood I put 12k in it put a tenant in and sold it for 79k to investor who an real estate agent referred me. 

Anyone else challenged to find tenants for your property?

I am open to local primary residences for house hacking or out of state investment properties in high rent low house price markets.Thank you all for your help!

There’s likely a carrier that’s most aggressive in the city where your 4 unit is located and comparing your premium to that of similar properties  nearby will be the most accurate assessment and point you in the direction of the most aggressive carrier.

Sounds like the BRRRR method could be a could way to go about that if you're open to properties that need some TLC as opposed to ones that are turnkey.