Do you have a few hundred thousand bucks as a backup?

It can be expensive to save a few bucks.

You will get best bang for your buck by buying the right property here with low money down than buying something in an area you don't know and don't live in close proximity to. 

I agree with @Steven Wilson, another thing I like to look at is the over all dollar amount of cashflow not just the coc percent.If you do an owner occupant low down loan you might have 30% coc because you have such little money in the deal, however your actual cashflow is only say 100 dollars on a duplex.This might still be a great deal but I'd be careful, what if the market tanks and you need to drop rents 100 bucks a side to get the deal leased up.

I originally came from Bucks county.

I'm nearing completion on my first rehab in Sellersville, Bucks county, PA, and already have someone asking to rent the property. 

I have two loans maturing on two commercial properties in a couple months.

In other words, which market offers the most bang for the buck?

Spoke to my lender and they then pass the buck to attorney.

Instead of worrying about saving a few bucks each month on PM, use your new free time to study, research and find new deals that will pay for your PM so you can do what you do best.