I am looking for a DEPENDABLE real estate agent and would like to meet up with some Gen.

It's going to depend on how you feel about, it's always better to get one than not.

It could just be a year or two away (depending on your savings and credit profile). 

Hi @Robert Ombres,It is really going to depend on the association.

Even if you don't try to get credits or items repaired, just so you know what's going to need to be addressed after you buy the property.Typical inspection will run you $500-$750 depending on the inspector.

There you can present your deal and depending on the strength of the deal there may be other investors interested in doing a Joint Venture (JV) with you.  

It really also all depends on the tenants that can make upkeep either a scheduled maintenance thing or a nightmare.

That is enough of a down payment depending on how expensive the property is.

So, it depends on your goals and your other options.  

@Cary Ferguson Jr guess it depends on how low rents dropped during that recession, but based on what rents dropped to last time during the recession in this same area..I think I'd be fine. that's what I find so odd??