Best to call during business hours and hope to get someone in the Texas office.

I have a W2 job that supplies me with $65K per year, and my current rental unit supplies me with $9K in gross rent per year.

On top of that, there is a decentralization of office space as well meaning that workers are no longer required to work and live in the same place for the most part.  

You can also go to your local county clerk's office and search for properties that have defaulted on their payments and are up for foreclosure.

I’m a police officer out here as well so I see a lot of things first hand- there are some neighborhoods in Brooklyn (SI too) that are riddled with so much crime, drugs and violence that I wouldn’t take a house in even if it was free. 

Then out of 4,500 you pay any office fees,RE Dues,Advertising expense etc So you end up with 4000 . .

I am a veteran and full time police officer so I've heard they have some special programs that help us out.  

The lender is a friend of a friend and has an office around the corner from Property 1 so I thought a relationship could be developed. 

I was a Peoria Police Officer for 13 years, my last 3 as a violent crimes detective.

Commercial - I'm thinking retail, office, or larger multis- More risk since there is a higher cost of acquisition and dollar amount needed to get started.