Her primary complaint is the focus on quantity rather than quality of care. 

I had insurance prior because there is a partner that was using as primary residence.

Then you will still qualify as a first time home buyer for your primary residence.

If an agent specializes in real estate investing, they should thoroughly vet each property they present to you ensuring that it will show positive cash flow in the current and projected conditions.

I had one for $200k on my primary, which they lowered to like $87k, in 2010 or so.  

Even if they consider ~75% of rents immediately and 100% after 1 year, that would still work as the property would still appear to cash flow positive.

Hi @David Eiges,First I must say: If you can qualify for an FHA loan which is only 3.5% down-payment, I think that would be a better product since you plan on using the property as your primary residence.

@Chris Tracy small, 10 units near a college :) looking positive so far!

@Prashanth Prash, I can't speak to what others are doing, but I just closed one where the borrower's entire $70k down payment, closing costs, and PITI reserves, on an investment property purchase, consisted of borrowed money secured by her primary residence as a private 2nd mortgage.

I first jumped into the market by purchasing my primary residence in 2012 (which I recently sold for a profit in May 2016).