Hello All,So I'm looking for some personal opinion, preferences, and insight.I'm beginning the search for my second property (first closes on 7/8 hopefully) and I would like to either use the FHA and 3.5% down route to buy more, and purchase a 2-4 unit, living in one side for at least a year, aka a househack,or,I would like to find an area in the Greater Pittsburgh area, SFR, for about $165,000 or less (this would ensure I'm paying less on the mortgage then I currently am while I'm renting, with the intent to make larger payments I'm used to making and paying it down quicker).

@Rick ManingasYou are being influenced by a few creative folks who have no basis in DFA.  

How can it be ensured that the properties you are bidding on have a marketable title?

I'm certain that your attorney will ensure that it is appropriate and in compliance with the law of your state.  

In addition, I’m interested in learning from investors how to decisively evaluate cash-flow and appreciation deals, sources of financing and creative financing or sweat equity relationships so that I can start investing in the future.

With some creativity, if you're adamant about investing in this location, it may totally be worth your time and money.

If everything goes as planned, I could start building a good retirement portfolio straight out of the gate from college.I have a friend who's lease ends next march that may go in with me to co-buy a property and then I could be his "tenant". that could be a creative way to start getting into the business. 

That will continue to be the case with your transaction providing income to the IRA.I would strongly encourage you to have a qualified CPA or tax attorney review the situation and ensure the IRA is acting in compliance with IRS guidelines.  

Creative RE is all about finding a way to help everyone get what they want, (for the most part).

And I actually estimate 10% for vacancies and 10% for repairs to allow for unexpected contingencies...you'd rather be generous on your expenses to ensure you are still cash flow positive than to underestimate them and be cash strapped.