My goal this year is to buy just one property and then see how that goes for about a year and then each following year purchase 2/year until I reach my financial goals.

You probably can download one or get a financial calculator.

It is just not part of the return on your financial investment.

I believe Wings Financial FCU has best rate and term. 

I know that this is the next big step in becoming financially independent. 

LOTS Of fake lenders work BP  face book linkdin etc.if you cant find anything on them I suspect you may have run into a fake.the telling clue will be1. rates too good to really be true or lower than industry norm2. too quick to approve you..3. they want a modest deposit up front and give some BS reason why the want it.4. no website ( although many fraudsters have generic websites website alone does not mean anything.5. check on licensing.. there are only about 12 states that require licesnes. not sure about our state thoughBut I would say 95% if you cant find anything on them.. and any of the things I said above are what they are telling you,, cheap rates small up front deposit.. probably not real and you will just lose your 500.00 bucks or whateverOh the other great one is you have to buy an insurance policy because your new or a little weak on the financial side.. there are NO insurance policies for private loans if you fail to pay.. that's just another fraudulent payment to a non exisitant entity.real estate lending has become the new Nigerian prince scam..

There already taking a financial hit, and I don’t want to add to that. any other thoughts you want to add would be great.

I wasn't going to put anything in there about a cash purchase or quick close because I don't expect these landlords to be in a financial pinch where they need quick cash, more that they'll just be tired of landlording and hopefully ready to unload a damaged property at a discount. 

That's financial freedom and the freedom of time.

Take the time to fully explore which direction is best for you financially.