What areas have you been shopping for MFRs in?

Depending on who the underwriter is (First American for example) they have additional requirements that the attorney has worked for 5 years under a title examining attorney before they can prepare their own opinion for example. 

Hey BPers, I've been house shopping lately, looking to hack into my next house.

The American system does not have enough checks and far too many underfinanced low wage earners are still buying homes they can not possibly afford.

quick numbers:$135,000 asking$27,000 down payment (20%)$108,000 mortgage at 5% (guess) = $580Taxes $1200/year = $100/monthInsurance $1200/year(guess) = $100/month (guess, shop around)PITI = $780/month (meets 50% rule)plus10% vacancy = $175 ($1740 rent x 10%)10% management = $17510% capex = $175Sewer/Water bill (I find it hard to believe that tenant pays this) = $150/month (guess)trash/snow removal = $50/month (guess)10% miscellaneous (advertising, cleaning, buffer, etc) = $175/monthtotals = $1680cash flows = $1740-$1680 = $60 Essentially, you will break even if you turn it over to a property manager and are never involved in the day-to-day operations. 

Americans simply don't want to acknowledge the workings and vast impact of structural racism, let alone individual racist attitudes and behavior.

I know you have great things to say about larger shops and training.

I'm also fine with idea of saving money that I would have spent on impulse for things like a fast-food stop, a small shopping trip or a night out.

@Anthony Hill  Those seller-financed terms don't look terrible, but as other have mentioned, keep shopping around.

Have you thoroughly shopped around for a mortgage?