HOA Lien purchases is a game that can be quite lucrative assuming:1) property is in judicial state (states where lender must file lawsuit to acquire property title)2) purchaser is well versed in foreclosure law 3) purchaser researches hoa cc&r 4) think of arbitrage not capital gains when assessing risk

I have a good HVAC/plumber and an electrician (that I rarely have to use), in addition to a good carpet cleaner. 

Also, if any investor in the NYC area is looking for help, I would be happy to work for you in my spare time to gain a little bit of experience!

Understanding the the gains on a wholesale price is less based on quantity of wholesale deals and not sititng on the deal greater than 30 days. 2-3% on a wholesale deal?

With $20k in savings and an additional $4k monthly saving rate, I'm navigating my next steps carefully, especially since I value starting with a substantial equity position in any deal.Here are the options I'm contemplating:Invest in a Low Entry Property: With my capacity for a 20% down payment, I'm considering properties in the $100k-$120k range.

In addition to numerous tradition RE related investments (most individually owned but some as LP), here are our unusual investments (both are RE related, but not what is common on this site)- I have mentioned this one a few times on BP, when fracking was just starting to be known to the general public (near turn of century), we purchased mineral rights in North Dakota.  

I've done my best to research the process but wanted to get additional guidance.

Additionally, consider partnering with a HML.

Additionally, Ohio's generally landlord-friendly legal environment, compared to Philadelphia, makes it an appealing investment location.

All of the other comments are great, I will just add one piece of additional advice, decide what you want your investment to look like five years from now.