Take the 75k with you to MN and leverage that using FHA to buy the largest unit count (4plex preferably) MF building you can find there in MN.

I was informed that I need to work both jobs for two consecutive years for the lender to count both jobs as income.

I was informed that I need to work both jobs for two consecutive years for the lender to count both jobs as income.

Because some people count cash flow is all money after PITI/PM fees/and expenses.  

I have prepaid some principal but I do not count that as cash in at this time due to the fact it was completely discretionary + since I have a full time job, I was choosing to throw a little bit of spare change towards the mortgage on top of what my tenants were paying me.

I'm only assuming since I have limited info.Make sure your lender is allowing at least 50%+ of the rental income from the other two units to be counted towards your income. 

The deals are what counts most for any investor.

:-)The example you gave above is when you do a cash-out refinance within the 6 month seasoning period, and say you used a Hard Money lender for purchase, which still counts as mortgage.The key here is an all-cash purchase in the individual’s name. 

Larger apartment buildings initiate rubs (tenant utility bill back) which are usually pro-rated based on number of occupants, bedroom/bath count.

I am from Utah so I am looking for dependable and trustworthy people that I can count on even when I’m not physically there.