It is going to be near impossible to cash flow on a property with 100% financing, especially if that partners rates are above conventional rates.

You may also avoid the seasoning requirement on a rate and term refinance. 

I'm sure you will need tools to find deals (eg price/sqft etc), estimate rents, calculate cash-on-cash returns, cap rate etc.

However, they have a direct contact in the department who can come out sooner once the secondary cleanout starts backing up again.Would appreciate any advice or insight from those who have dealt with a similar situation!

At the end of 2023 I purchased an old 4plex out of state (MD) for $180k (it appraised for this amount), 20% down with 7.99% rate, mortgage is $1364 with piti.

I do have a good idea of what you will explain to me regarding my permit as I have been in constant contact with permit coordinators and reviewers alike however, I am eager to hear if there is anything new that I haven't found out on my own. 

Keep in mind if you buy another primary residence, you'd have better rates, terms and can pay as little as 5% down for multi family up to 4 units.

I honestly would be here all day about Pros.CONS:Not every single state has dozens of contacts at your access but majority of states do.I wish i would've started when i was 18.NOW THE BIG QUESTION IS IT WORTH IT? 

I recommend getting a few quotes and choosing one that is right for your financing strategy. if you are trying to get fix and flip money there is a wide disparity in rates and charges.

She charges a flat 10% rate.