IMHO maximize 401k (preferably roth) and anything after that save for down payment and leverage by investing in real estate.

Perhaps the HOA has a list of preferred/recommended contractors though.3) Usually HOA's dont care what you do inside your unit as long as it doesn't affect the structure.Given your cell phone issues, you probably should just hire a PMC to make sure you don't get blindsided by an emergency.

Personally I prefer reading and have a job that affords me hours at a time to do so, so I’ve bought BiggerPockets books and other business and real estate books and recommended books online.

After assuring them the rates would be valid for a year if they made all payments on time they were all fine with it.

Looking for financing options and would prefer someone local to my area to build a relationship with.

Thanks Have your HVAC pro install a thermostat sensor in one of the units (preferably upper unit for gas savings) and then put the thermostat control in the basement in a locked box. 

You will even sign a disclosure assuring you will not owner occupy the property.

If not, it's a matter of personal preference whether you want to get out of your apartment, or capitalize on the rental cash flow.

I looked at several multifamily coaching programs before choosing Jake & Gino I assure you they are the real deal.  

I prefer one person to be the primary resident/ responsible party.