We fee like a conservative approach will let us go through the growing pains of better understanding real estate investing without the worry of being over leveraged to add to the stress while we are both still employed full time in our careers and do not plan on quitting our jobs to go fully into real estate. 

Conventional at 5% down would cap you at 3% concessions, but generally is more lenient with employment history and property condition. 

Growing population, great employment opportunities, steady appreciation etc.The best amenity has been location.

Cash for keys is common, and frequently the part that keeps tenants from moving forward is not having an affordable place to go to.

I think development is getting more and more common since we're so undersupplied in housing. 

Here are two lessons: The property was about an hour away and at the time I worked for an employer full time, so it was hard to get over there each weekend to work on it.

These programs very commonly involve restrictions and conditions on use, refinance, or resale of the property. 

Yes it’s common to have an additional guarantor who has a balance sheet added as a credit enhancement.

My advice is good advice, but it's common that most people new to wholesaling still think they are going to make a mil in a year and only want to hear the good stuff.

I am for sure shifting my focus back to looking at properties in Rockland,Orange or Putnam as it seems to be the common census.