@Tim Roberts I can send you some examples of multistate portfolios I have done for investors in the last few months.I think you will find there are very competitive insurance programs for the CA properties, but they are only available for CA properties.IL & CO are a little easier to combine onto 1 policy while keeping the premium competative, but the hail and wind issues in CO may make sense to break them out again into separate policies.

Yet, I was still told in an email from the broker:Term of Note: 30 yearAmortization: 30 yearInterest Rate: 4.5% (I usually recommend using “Market Rate”)Loan Program: Conventional, 30 Year FixedLoan Origination/Discount Fees (as a % of loan amount): 0 (I usually recommend using “Market Rate”)4.5% seems rather high, given that every online calculator I can find online (granted that they aren't too accurate) quotes me at around 3.9% APR.  

The FHA program itself is structured towards first time home buyers such as yourself.

NC has a grant program.

In order to pull credit you have be the borrower or go through certification process that involves having an office, a locked cabinet etc etc...

Many times the "make or break" of the this program is how responsive (i.e., overworked) the local Housing Authority assigned to your particular program is.Start with checking them out. 

They have a good online program.  

I have a feeling it's a sale pitch to an advance program they have. $40 only covers the cost to lease the space.

Tom Krol's interview on BiggerPockets was the first one I watched, so bc he was "endorsed" by BP who is against get rich quick schemes and expensive gurus I am wondering if any of you have been mentored by his program? 

There are people who claim these locks will "lose" their programming, but I've never had it happen & it's not like they're expensive if you had to actually toss one anyway.