I have a friend who was trying to relocate to DC from Texas but could not find anything affordable.

Do any of you (who are not CPA's) have any CPA's you've been using for years and recommend that are more affordable for where I am on my journey?

We can only afford one in a expensive area so we need to make the next purchase count.

Personal mortgage to acquire at a lower interest rate then rented to multiple tenants who could afford higher rents when living together.

I hate owing money. 1) money you don’t pay in interest is more income, even if it goes to Loan pay down instead of cashflow. 2) if you need that $150/mo to afford to invest in real estate, you can’t afford to invest in real estate.

I would like to flip houses in an affordable market to build capital for a few years.

We can afford to cover both mortgages for a while if necessary, but of course we would rather not do that. 

All for very affordable prices. 

If you could afford it, I would make the improvement.

You apply for a commercial loan, and get a commercial insurance policy.however you would lose all the benefits afforded to owner occupants like the capital gains exclusion in doing so.