Many of the examples I hear about on the forums in other areas are not comparable in terms of purchase price and taxes, unless I look significantly less desirable areas of NJ (Camden, Trenton, Newark).

If you google search "Genworth PMI quote," "Radian PMI quote," and "National MI PMI quote" you can play around and see the variance, but again FHA is one-size-fits-all right from that gov't chart I linked from HUD.

Search me on Google (Omar A.

MLS was little help when we did our search.

I have searched out another investor to help me but this investor wants to do a debt investment and not an equity partnership.

Yet, after listening to you it almost seems like we should be searching out other deals and getting money from private people as early as possible.Much like you I have a little experience in construction from my college days (working for a contractor on my days off from school and over summers but I'm not a craftsmen), so there is a small advantage there, but ultimately it sounds like if I want to get to that "freedom number" faster, or at least earlier, I'm going to have to figure out how to scale.I'm under no delusions that I am an expert after one deal, but I thought that after doing 2-3 deals and making them successful we would then have the creditably to get loans from others to really acquire some volume. 

I've gotten my first contract two days ago, and is currently in title search. 

As I’ve come to realize while searching for my first deal.  

I tried a google search on this subject and there was a discussion about Rowhouses. 

The big news here is that a class action law suit is going forward against the City of Bedford in the Northern District of Ohio contesting "all homeowners who were forced to endure government searches as a precondition to the sale of their homes are entitled to demand refunds of illegal “Point of Sale” inspection fees".A similar suit has already been adjudicated in the Southern District Courts in favor of prohibiting the practice as a sale requirement.41 communities in Northeast Ohio require some type of POS for title transfer which I'm sure is a source of income the cities don't want to see disappear.