Other non-agency loans are not far behind and are extremely appealing to investors. 

Anything you have that helps to run your business is yours no matter how little or hard you've worked to get it. ( in most cases extremely hard) so why should you me or anyone else who has spent years building out our teams just freely give this information over to someone else just starting out who doesn't want to put the work in to building it their self?

She's extremely sharp and someone you'll want to develop a strong relationship with. 

Though, even through house hacking, not having any capital cushioning me in the event I have a room(s) go vacant for too long makes me extremely uncomfortable, and I'd rather just wait until I'm able to invest without so much risk rather than getting in over my head and setting myself back with even MORE debt.     

This can be done in Texas although it is extremely rare.

@Abraham Klein recently upgraded from window units to ductless for the 1 or two months in the Poconos where it gets very hot and we are extremely pleased.

And in many cities where the demographics are very segregated (such as mine), the price jump for areas that satisfy the criteria above is quite extreme.

I finally have enough capital to purchase another investment property.In the past, I was extremely passive.

I will say your questions sketch a risk tolerance that to me is extreme in both directions.1.

A few things you should know about the market, Philadelphia is extremely block by block, my office is in Northern Liberties where there are 600-700k houses, and a short drive north, and your in the drug capital of the city.