A property matching that criteria may be to difficult to find in this market; more specifically one that would cash flow @ 10%-20% percent down.As far as areas go- it depends on the class of neighborhood you feel comfortable investing in- and possibly living in (as you mentioned)Good Luck 👍🏽 

If it's possible you might look into a low down conventional product (my wife and I used a 5 percent down conventional loan for our duplex) and that way you will STILL have your FHA available for your next purchase. 

The strategy behind targeting them varies slightly.For response rate I'm seeing half a percent to 1+% on a great list.

Hello, I have listened to some podcasts that feature investors that have worked with banks that have funded there loans for a multi family property for less then 25 percent down.

But if you need a once in a lifetime event like that to be successful in real estate keep your day job. 

For example, if you have a property that you bought for $100,000, you should be able to receive one percent of that- which is $1,000.

They use different materials and build for longevity because they plan to hold their properties and they want low lifetime expenses and rents.

Originally I was supposed to pay 10 percent down for each but my lender is now saying I need 25 percent down each.

Assuming the cap rate stays the same, you can roughly assume that the ARV will increase by the same percent as the rents.  

I was thinking on offering 230k or 240k so that the mortgage payment is lower and maybe do an FHA loan and give 3.5-5 percent down.