Avoid these sorts of guru events like the plague.

In central Indiana area?

It may be some time before you get there, though.My only advice is to avoid spreadsheets for anything but financial calculations...unless you are writing macros.

@Stone Jin multi-family, mostly central phoenix, possibly mesa....and maybe a condo here and there in phoenix

Do you want east valley, west valley, or central?

@Dean Harris @Jason Hopkins So it seems like you both avoid duplexes in Memphis?

I've been trying to avoid continuing to post on this thread because you have been given the correct answer multiple times by various credible sources, but continue to argue your point, and it is tiresome.

We are located in Central Ohio.

I've heard that I have to make a downpayment of 15-20% to avoid getting mortgage insurance.

The owner gut rehabbed this when he bought it about 9 years ago, so plumbing and electric is updated, and all units have central HVAC.