It seems to be a pretty good mix of professionals with no pitching just networking.

I have a mix of 15 and 30 year mortgages. my thought was to concentrate my fire on 5 mortgages for properties I know I want to keep, and maximize cash flow on the others - sort of like a debt snowball.

Deal 2 is a flip that I did a JV deal on....I served as the Private Lender on the deal where I lent the $$$ placing a mortgage on the property (might have the terminology mixed but basically other investor was required to reimburse me the amount lent prior to sale of the home.  

Yes, I've known another investor who used Pat Live as well with mixed results.

I'm looking for a good national insurance carrier that can cover mixed properties (SFRs and multi-families) in multiple states.  

Then again I have 0% down programs on my end as well for conventional and FHA financing or if you're a Veteran (VA).Option #3 Single premium can be great if negotiated from seller to pay, sometimes seller wont pay it all so you can do a hybrid method in which you use a bit of a rate increase, a bit of the sellers contribution, and some cash or a mix thereof.Option #4 is a bit more towards the creative side since it requires you to find a deal that has equity creation potential while combining it with a conventional financing method It depends are you interested in buying units 1-4 ?

I'm starting to research guidelines on using HELOC money as a downpayment - i'm seeing mixed things on-line.

I'm 27 years old and currently completing an Environmental Tech diploma and am extremely broke (student budget).

Worth it to be in the mix and to have your pulse on whats going on in the community...

I did it with a new truck when I started by the book (with a calendar) until it was fully depreciated, but today  for me on just a few rentals, the recording keeping costs would outweigh the deduction and inconvenience (so I have left off vehicle expense and no vehicle depreciation last few years) but sounds like you may be using your car more and could be worth the time to be bullet proof....There is a potential gap in the reality and rules for me (see my mixed use life below), but if you have an inclination to track miles and purposes and facts closely, it is a nice potential deduction (and what your vehicle has on the dash board is not enough, but some of the apps, like a mileage IQ, could have potential but even those may not be adequate until full tested/vetted in my view, but tech is promising and they make some strong claim...).