I'm excited to be part of this community and I hope it will help me make my decisions on inexperience fields.

I strongly recommend you take your time to learn and to find what interests you before making any major decisions.  

@Elizabeth Colegrove I did look at that, however it worked out better in my favor to not pay the PMI but that was just a personal decision to pay more for a short amount of time rather than to pay PMI for ten years or more until I was able to have it removed. 

If I'm trying to get in the game with a buy-and-hold strategy, I'm unsure how much should appreciation play into my decision?  

Sure the guru types are more about excitement and emotional decision making, but that's sales 101, Like I said I get why most people hate the guru programs, and I certainly would never pay for one.

I have no idea if any rules or regulations apply to the banks asset managers decisions.

My apologies if this is the incorrect subforum for this.

In some states, I've heard they can get someone out in a month.But one last thing I'd add to the decision points is that sometimes when the market has a bunch of great points in its favor, it may become oversaturated with investors to the point that you can't find many decent deals and/or it makes it harder to rent the houses because there are too many rentals.So there is something to be said for being a little bit contrarian.

The decision who to file through has been difficult. 

The issue is one of governance--if there are particular decisions that have to be made with the asset, what voice do you have in the process?