@Guy Gimenez, any suggestions on how a newbie can increase deal flow? 

As I learned on BP, I don't want to buy a property hoping that the value will increase drastically because the neighborhood will get better over time.

I wouldn't mind the experience and training that is offered there but if the company's standards doesn't fit my aspirations I should try to attain a more fitting path towards moving forward, right?

I'm have a job that's higher paying than the one I will be going to, and my current DTI is low given I have a high-paying job, but my DTI will increase since my new job is lower paying.

What would your standard house insurance be for a 100k house in either markets?

I currently only have Class A properties with zero tenant or property issues however I’m thinking about going with this property class to increase my overall portfolio cash flow.

Being a RE Broker you are held to a different set of standards and disclosure that if you were just a RE investor.

., but that's a question for the bank, not for the people here (unless they are the bank). each bank has their own standards.

Property info: #1 main residence, current value $1m, outstanding mortgage $400k#2 current value $600kSo, ideally I'd like to have one mortgage for $1m, to cover both properties - as that would mean only one mortgage, only one enquiry = increased probability for approval. 

Now, this is where you can really maximize your results - creative mailers, that actually stand out from your competition's mailers have provided me with a 26.7% increased response rate from using a standard yellow mailer type.Finally, the deals are in the consistency and follow up.