Everyone is trying to do it on the cheap.I am trying to start well thought-out Properties, that attract people, that can get repeats and referrals, that are a legitimate vacation destination, that are stunning, Etc.Yes I mostly use second hand.

Hey @Bryan Davis,I purchased two 3-unit multifamily properties in Schuylkill County, the first in Saint Clair as a house hack and the second in Pottsville as an occupied rental property, while I was living there.

You may be able to get a HELOC that gets you up to 90% LTV, but your cash flow needs to account for the second mortgage payment.Here's a blog article with some thoughts on general rules for quick calculations:https://www.biggerpockets.com/blog/2015/09/02/real...2.

And I've got 3 duplexes and am under contract on my second house in CLE, but I'm just investing over near Euclid so far. 

I'd like to learn with my first deal and hope to buy a second next year. 

Isn't there some old saying that the best way to get a tree is to plant it 20 years ago, and the second best time is to plant it right now?

The second pillar is a good insurance policy as that cover the majority of your exposure.

What is the likelihood that a bank would want to call the loan if payments were made on time?

A few points I would like to second:$190k for a duplex seems high, not sure what market you're looking at.BRRRR is a big time committment but if you do it right it can result in higher overall returns due to forced appreciation.You are more likley to be successful at BRRRR if you have construction skills or know people who do.

I’m heading back out there tomorrow to give it a second look.