Most investors at that scale prefer apartments to leverage the advantages of a single location.

You can reach me by looking at my Zillow preferred agent profile.

Also my loan officer told me that banks prefer loans instead of lines of credit. 

I've been manually using the municipal GIS Mapping and Data service, which allows me to manually zoom in on properties and determine the owner, but I would much prefer to be able to filter the info first for parcel size over 5 acres and THEN use GIS to tell me the owner, parcel size, address, tax info, value, etc.Thanks

Preferably in the tri-state area.

If you have to think twice about the monthly holding cost, that is a red flag.Unless you're getting the home at a discount, I would look elsewhere for your first investment, preferably something that you are at-least breaking even on.

I much prefer a SFR than a condo as the condo comes with fees and assessments which in my opinion gives me less control.

I would bet the 20-yr provides a higher cash-on-cash return.I generally prefer longer term mortgages.

I was able to move half of the units to paying online/cashapp but a few of my tenants still don't have bank accounts or simply prefer paying cash.

I prefer when people reach out to me as the agent first so I can connect them with some lenders that I know and trust.