we finally caught one of the tenants coming out of the unit.

But first be sure to check your local tenant/landlord laws, be sure that you are not wanting to raise rent when there is a lease in place and finally if you give a small cost of living increase (3-5%) i doubt they would move.  

With that being said, although I'm a bit delayed on this post, I'm proud to say that after having a half dozen or so offers declined and a lot of patience from my awesome agent @Justin Brown, I finally got an offer accepted on a triplex just outside of Allentown, PA in December of 2019 and closed on January 14th 2020...exactly 3 months to the day of when I graduated.

Numbers - Purchase price $165,000; 123,000 @ 5%; $42k cash from HELOC currently at 3.25 but variable.Unit a - currently rented at $625 (650 was in all the info from owner but has been corrected at final close.

Well I finally got over analysis paralysis and am scheduled to close tomorrow on my first deal.

Final Thoughts - I am not trying to scare folks out of oklahoma I just want them to know the full picture. 

But I do see how they would want to avoid more paperwork if the final document (the valid one) will be corrected.What I want to avoid is having this error at closing which if it happens, it will add more time to the process.

Here is my current scenario:Balance: 150,968Type: FHARate: 5.0%Payments: $1,219.12Maturity Date: 1/1/2040Rent received: $1,150.00Refi TermsBalance: 160,800Type: ConventionalRate: 3.375% (3.153% points)Payments: $954 (drops to 920 after 7 years due to MI)Maturity Date: 30 years from closingRent received: $1,150.00It is tempting because I could have positive cash flow finally, but I am adding 10 years onto my loan.

Finally, I'm soliciting your suggestions for a reading list that has worked for you on these topics.

A bit more research and make my final decision.