My lender knows I have more than enough in savings right now to cover 25% down and a year's worth of payments on the loan, so they pre-approved me just a couple weeks after I had just closed on my first primary residence. 

I recognize this is a numbers game and a waiting game especially for someone starting up in commercial, but what is a game changer that I can do on a daily basis to supplement what I'm already doing?

My motivation to pursue real estate is to build a life for my family and leave a legacy for my kids and a business for them to inherit when they get older.

We had already committed to replacing a partially fogged double pane window, adding carpeting in the den, and a few other things. 

And a city like Columbus, surrounded by three rivers, very important especially if there is a basement.

I think for our first purchase in Memphis, we would like to find a duplex so we can have a place to stay when we are in town and a base of operations. 

page=1#p2960834I have been to a 5 or 6 of these and find them both interesting and a good networking opportunity.  

I was wondering when pulling comps, could I use both a brick home and a wood home as comps?

That should easily cover a water heater every 10 years, HVAC every 15, and a roof every 30.

Medicaid issued AL allows for housing, insurance, guardian and attorney fees if any, and a PNA, and community spousal allocation if applicable.