Any ideas ?

I currently do not have the amount I need for the full downpayment, plus I do not want to leave my current business at 0 in its savings.

I have had excellent luck with your local NextDoor neighbor marketplace and on FB Marketplace- better luck on Next door (www.nextdoor.com)- it's free to sign up and you can copy/paste from one site to the other and just add pics to each that you have taken and saved.

It's always a good idea to do thorough research and consider different perspectives before diving into any investment opportunity, especially one as complex as this. 

Albertville - should be a reasonable cash flow play;  would not go there if appreciation is your goal.Muscle Shoals - no idea on the market there, sorry@Michael Ewers mentioned Hazel Green and Meridianville - they are growing areas, but I'd be VERY cautious with new construction, as I don't see those prices being sustainable there. 

And/or assume that everything is trashed and you have to rehab the entire house.I have bought houses without going inside, but you can usually get on the property and look in some windows. check the roof, exterior siding, main panel, etc and get a pretty good idea of what the house will need.

I was talking to some investor friends and they're counting Zoom office hours with other investors to brainstorm ideas in their REPS hours.

I am a first time real estate investor looking the following property : https://www.redfin.com/OR/Forest-Grove/2418-Cedar-Cir-97116/...its a pretty large duplex in Forest Grove OR,  the trick is though, its on a lot zoned for a 4 plex so I am lookinginto house hacking, converting into a triplex, then living in one unit while renting out the remaining two unitsThe left garage has been converted to living space, with a living room, half bath, a laundry room with a sink and some counters/cupboards and a bedroom, it is a part of what was an existing 3bd unitIf I were to acquire the asset, I would first attempt to convert that space into its own unit The line items as I see (be in mind, I am totally new to this) would be to >put up dry wall where the door to the rest of the house is,>add a shower to the half bathroom >install a water heater in the adjacent 3bd unit> install a kitchen in the laundry room, (stove , oven , sink, counter space)>add a shower to the half bath Assuming I can convert it to a 3plex, I could at-least cash flow on my investment after I leave My plan would be to put minimum down payment of 3.5% (FHA loan) that way I can have a decent amount of capital free to do the renovationsThe only concern is when I crunch the numbers to get my ROI, I have no idea how much its going to cost to convert the additional living space to a third unitAny experienced investors here know how I can estimate this before I try to make an offer?

I'm worried about how much penalty I'll have for using my insurance.Or, do I save on monthly premium and hold a high deductible, and pay for a new roof out of pocket once it fails? 

If you are looking to save use an electrician.