The biggest reason people don't use an agent is because they want to save money.  

Memphis, Columbus, OH, Cincinnati, Oklahoma City, Indianapolis, Savannah, GA, Charleston, SC, Greenville, SC, Columbia, SC

Houston is the 4th largest city in the US for a reason...jobs...and jobs are not going to go anywhere until alternative fuels have been found!

My biggest concern is not being able to refinance.

Jersey City has become very trendy & hip (hipsters running amok) and perhaps steered many into their coffers.  

The biggest limfac with a VA loan is if you do SFH and having to live there first.

A good way to find providers is just googling "Flat Fee MLS + your city" and then checking their reviews (yelp, zillow, etc).

Huntsville is a priority but Birmingham is nice and I always liked the city when I would go visit. 

Currently, I invest in SFs and location is very important for any prospective properties - 1) because it may attract a certain tenant (ie. great school district, or close to a college campus) and may also help me avoid certain tenants that might be troublesome and 2) future resale/appreciation.I am interested in pursuing MFs, and I find some really great cash flowing properties in my city (and out of state), but they are located on the edge of what might be considered less desirable part(s) of town.  

@David BarajasRiver City Bank but they are primarily commercial.