But going forward I will attempt to replace a short-term PML with a long-term PML at a lower rate, such as using someone's Self-Directed IRA Funds over 10 to 30 years.J.T.

Most investors are looking to the Midwest / Southern state areas for lower priced cash flow investment properties. 

If you take personal financing and the deed personally, you will get a lower interest rate, but the loan will show up on your personal credit report.

@Brendan Daly the FHA tends to have lower than standard interest, so adding MIP tends to make it about the same payment as conventional.

And if they are lower than asking, a good wholesaler can go back and negotiate.

I'm now wondering is it worth it to hook it up to public sewer for that price and relist at the same price or should we just lower the price and relists it as on septic.Any opinions are welcomed!

For (a) a 1st time home buyer, (b) looking for a multi-family property, (c) hoping to get a lower down-payment... what would you say is the best type of mortgage out there?

Any hints on how to lower my costs would be helpful.Thanks and again, way to go!

All 3 factors contribute to prices being lower. 

Pros are good cash flow & usually lower appreciation.