Makes kind of sense that they want to cover their butt for any potential lawsuits.

I have called several Independent Agents locally and they all are requesting 4 Point Inspection reports (WInd Mitigation basically) and don't seem to get the point that I am analyzing "potential" investments.

Payments that you make normally fall into one of 3 buckets100% of the payment can be factored in somewhere on the returnPartial payment can be factored somewhere on the return0% of the payment can be factored in somewhere on the returnHouse-hacking also has considerable tax implications in the event that you want to sell this property.You can potentially defer a portion or all of the gain on the investment property with 1031 exclusion.You can potentially exclude a portion or all of the gain on the personal residence with section 121 exclusion

Additionally, I am prepared to offer either a first position on the loan or cross-collateralize with my portfolio of seven vacation rentals, valued at approximately $12 million, with $6.5 million in available equity and generating $1.4 million annually in gross rents.Given the potential of this project, combined with my experience and the collateral available, I seek advice on approaching potential lenders or investors and effectively negotiating terms within such tight time constraints.

I really see Columbus Ohio as an extremely safe bet for the next 10-20 years.

@Chad McMahanI hear you, however buying from long distance is tough too.what best cities do you suggest to focus on, for cash flow and potentially appricition in long term too.sfr vs multiplex vs apt complex ?

Yeah, that's the step I'm on–identifying potential team members.

Evaluate interest rates, loan terms, and any potential changes in the interest rate environment that could affect your financing costs. 

I started investing here for the long-term potential, seeing how much money is getting pumped into the market. 

After some basic research, it seems to me that an FHA loan or, potentially some type of physicians loan may be the best option.