My house that isn't even listed and is close to 1 million mark had someone calling me today to see if I want to sell! 

Quote from @Anthony Yancy: I am brand new to real estate and the investing aspect of it.

@Anthony Ward thanks Anthony I really do appreciate all the information that you provided for me.

@Mark Sewell : I looked at their website but there isn't much info there.

Anthony, This is going to go against the grain a bit as far as advice goes, but in your particular situation where you will be living there yourself:  - Go with Avon, Plainfield, Brownsburg, Carmel  - Don't worry about cash flow potential in a year, think in five years  - These properties will actually appreciate vs. the rinky dinky 100k home (disclaimer - I have one of those too, not hating)  - Tenants will be more long term which equals less turnover costs (carpet/paint etc. is expensive every year)  - Less likely to default/evictI have two in Indianapolis, have spent countless hours talking to brokers/property managers and getting lay of the land. 

@Anthony Sanzari a first time homebuyer is defined as someone that hasn’t had ownership interest in any property within the last 3 years.

I paid all of mine off or refinanced out with a private lender fixed for 10yrs at the 10 yr mark because of the call and rate risk.

We immediately replied we would be happy to pay the portions marked for us as long as the owner was building the retaining wall.

@Anthony Morrow No! 

There were scuff marks everywhere and no way to clean or touch them up.