I do have some knowledge and life experience. 

As well as speak to experienced wholesalers.BTW, I am in IT Consultant in real life. 

So Nursing was a no-brainer for me when I decided to reevaluate my path in life.

Tell them what's going on in your life. 

Yes I admit again I have not made a "dime in real estate;" but I find it funny that where I am at in my life is far beyond where you will ever be.

I am from that area and lived in Lexington and vicinity 1/2 my life.  

(auburn hills area) I obviously don't want the $5 houses, those area scary places and I value my life.

Come on people, measuring appreciation from a once in a life time market bottom in 2009-11 is misleading to a new investor.  

I intend on pursuing real estate for life and maybe getting my mba later on.With this new found free time I'm going to have soon I decided to give myself a project/goal/ ultimatum.

Let's look at the rates and differences and what I'm trying to make my decision on:FHA 3.75% interest3.5% down.PMI through the life of the loan.Higher insurance premiums.A little higher mortgage payment.Conventional fixed rate4.25%5% down.PMI drops at 20% loan to value.Lower insurance (me and the lender calculated nearly $100 month difference roughly)Slightly lower mortgage payment.Now with this information I was provided the conventional is a no brainer as over the long term and beginning costs are less. 5% down is my max for down payment I can do in order to cover all other fees to seal the deal.