I will be contacting my bank shortly to see if I can work with them to figure out a price range that I can work with for looking at a house as well as see if they have any agents.

My first property is $50 short from covering my whole mortgage and I replaced a few cap Ex items that I built into the contact that the seller paid for.

Others say it will increase our premiums and we should pay a lawyer to handle it ourselves.

I have a lot of confidence of on-going short-term rent appreciation (next 5 years) but less confidence of significant on-going property appreciation (I expect a leveling off but am not real confident of any prediction).High end homes (bigger and more expensive) have worse cash flow than middle class or working class homes.Note a small multiplex or your 16+ unit will experience similar rent and property appreciation to your SFR and have better initial cash flow (it will be poor initial cash for San Diego but increase with the rent appreciation).To summarize, SFR are not the best buy n hold investment option in San Diego. 

So that is where my journey started.I decided shortly after that to really take a look at my spending habits and see just exactly how I spent my money.

It all depends on the base flood elevation of the property in relation to the base flood elevation of the land...You can still get your premiums reduced by getting a elevation certificate.

In the short term, I am only focusing on properties located in Ohio.  

If it doesn't work out they get the money back in short time with other investments.    

Hey @Brock LarameeHave you considered living in the unit for a short time frame and then moving out and using the cash flow to rent somewhere more desirable.

Long story short.