Better yet, I would take advantage of the Feds incentivizing owner occupying loans by opening it up to 3 and 4-plexes, and house hack where I live, taking advantage of the low down payment and lower interest rates.

We have steady growth and low unemployment, and more than 5000+ jobs will be created over the next 3 years in the Amarillo area across all sectors including highly skilled and service-level jobs.  

A lot of these newer carriers hit the market with low premiums, they then have very little capital to pay claims when catastrophy hits and they end up crashing and burning or renewing at 200% the first year. 

Quote from @Bonnie Low: Hi, Maha.

Not to low either, you don't want to go with someone who is just focused on price as this is a quality of a not so great accountant.

Would you say whole selling properties is a better way to start getting into real-estate investing if you have very low funds. 

Do you want 100k in a maintenance hog, or do you want to have  50% of a really nice 200k property, or 25% or two 200k properties.The other piece of information you have to find is what returns you could get on your money if you bought something else.  

Should we try and do an easy flip that is a low risk, maybe use a turnkey or something?

Saving around 10,000 would take me twos so if I'm able to get by with a lower down payment I will gladly do so..I understand  concerns that the lower the down payment  the bigger your mortgage and that banks offering low money down loans partly caused the recession....

I read an article from GNAIR a month back that inventory is at a 10yr low and prices are up 10% over last year.