submitted=true...Good luck & happy investing!

Additionally, do you think masterclasses or training programs are worth the investment?

I wouldn't touch anything outside the urban core. if your strategy is to buy existing and old I'd recommend not to. as a newer investor depending on your liquidity look at build to rent development. building investment properties below market value by 25% and refinancing out of it to do it again. the urban core has tax abatements as well that are 15 years right now you can apply for. that means that taxes will be around $600 to $800 per year. there's cash Flow but the existing inventory market dried up a few years ago in the urban core. local realtors are going to push you to the trash areas like hilltop, south linden, etc because it's the only place numbers work. columbus is great, but remember a tenant who pays $1800 a month is different than a tenant who pays $900 a month. let me know if I can help any other way! 

Note investing can be broadly categorized into two classes – performing and non-performing notes.

One thing to remember when you are getting into RE investing is to have your team of people or as Brandon Turner from the Bigger Pockets Podcast calls it your CORE 41.

That will give you income to invest.

I generally would not invest in a place that is declining in population but if you are going to live there then there can be exceptions.  

Any lenders do 15% down (or less) DSCR loans, 30 year am, on turnkey investment properties, mainly for small multifamily 1-4 units?

It's lovely to meet you.I invest in the Hudson Valley.

So, it's still NOT a good idea to try to invest by zip codes - which are too big in our opinion/experience.