First off, Thank you for your service, My daughter is in the military also, she makes me proud. 

Just go in to any small, community banks in your area that service their own loans and don't sell them on the secondary market. 

What service have you found to be most cost effective?

Im seeing very little in the way of cash flow properties but wanted to seewhat you all though about my inputs.Im making a few assumptions mainly looking at multifamily up to 4 units with 10% down (I know this is low but I've found banks that'll do that in my market for properties under 500k) then I account for maintenance/debt servicing from past experience (wondering if people have a better way that would take into account property age and condition for maintenance estimates), finally I set vacancy at 1 month a year (not sure if that is reasonable either). 

Having umbrella insurance or having an LLC for your property management services is a great business model to protect yourself.

My husband and I are new investors and we are trying to clean up our financial messes so we can be on our way to financial independence. 

Independence Title: Met these guys at the BREIA Shark Tank event last week.

Breadth of knowledge and expertise in all areas of real estate investing (buy & hold, fix & flip, as well as usual realty services). 

I recommend someone who is an independent insurance provider.Recommendation: Christian Moorehttps://www.getrealky.com/

Somewhere, somebody is going to need to be paid for a service.