How long is the travel from your home to your investment property?

It does come in handy when traveling though.

I'd say that any lender saying 15% down is blowing smoke your way, perhaps some fee income, as an 85% LTV loan will be in a PMI or mortgage insurance requirement and the property is non-conforming, I'd say you'll be at least 20% down all said and done.

Zig Ziglar said "travel as far as you can see, and when you get there, you'll see a little further."

The best multi family insurance carriers are CIG, Mercury, Travelers, Sequoia/AmTrust, and for older properties...

This may involve traveling.

I traveled a lot and spent a lot of time studying...  

Smoke penetrates everything: insulation, carpets, any unsealed wood framing-interior of cabinets-lite fixtures, hvac system, etc.

Though if you have perfected time travel that would give you a competitive advantage

I pick markets I am familiar with and within 1-2 hours of total travel time (I like to be able to see the asset physically without too much trouble).