finally after almost 6 months in getting my credit scores up to par...I have a little cash saved, andnow it seems I keep running into sellers that are playing games...ie List for 62.5 k...then when I madean offer of 60k...she countered with 64.5k...getting frustrated with trying to negociate buying...thisis not the first time....its happening over and over again since January with varius properties and differentrealtors...any advice?

Most people think to ask about interest rate and points but may not ask about fees like underwriting, processing, application, commitment, credit report, attorney, inspection, construction draw costs, etc.  3.

Save cash, pay down debt and build a 720+ credit score + LLC with 80+ credit score if you want to do commercial.

That might be an appraisal fee (by another name), or it might be a full credit package (tax returns, paystubs, etc etc) from you.

I have a couple thoughts and wanted to see what this wonderful communities perspective/ advice is.I am 29, recently married and no children, I have no dept, the only asset I have is my vehicle I have 750+ credit. 

I don’t think I have much of a credit history in the US yet.

And if you want good tenants with decent credit scores and high income they are not very likely going to be paying top dollar rent in the "rougher part of town".

I hope to receive the historic Federal and State tax credits.

Why would you ignore that while putting all your eggs in one basket.I would put $100K down on a 2-4 plex, $100K into 3% CDs and gold stocks to weather this trade war storm (2018), and put the last $100K into my own business as a LLC that could be used in Year 3 to play in commercial real estate (5 units or more).In the mean time shoot for a 80+ business score and 720+ personal credit score while seeing if we're heading into a recession.

If you're unsure about being a landlord then don't become one.People are always apprehensive about capital gains taxes but taxes in the US are the lowest in the developed world.