On paper, it looks like holding onto as much of my own cash will free me up for unexpected costs or future investments, while a mortgage enables me to profit more than the bank's interest.

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It’s not for everyone — but it’s a powerful option depending on your income and goals.Happy to break this down further if helpful or share examples of how others have structured it.

@Dylan Zachry welcome, these forms are some of the most powerful tools out there to start. 

Told me that the only time they paid off the investor victims was when the perpetrator unexpectedly passed away and happened to have millions in life insurance that they were able to attach.   

You should be able to install them pretty easily as long as you have proper access to a water/gas line/electric meter that can take the extra power for the dryer/washer.Should be paying about $1-$1.5k retail for each addition, 94 units, I'd be looking at $600-$750 each. 

That would make our mortgage $2900 but we’ll have to pay our insurance and taxes yearly (5,552 x 1900.)We’ll probably have enough to pay for the down payment and closing costs but we still won’t have enough for the unexpected expenses in the future.

That surprises a lot of people and adds unexpected delays, especially if the GC didn’t plan for it up front.It’s not always about the drawings being complex sometimes the city just wants liability on file (hence the stamp).

Here's a quick list we use when advising clients:Avoid septic if possible (higher long-term maintenance)No power lines or flood zones (hurts resale/rentability)Good school district and low-crime zip codeNo HOA or landlord-unfriendly restrictionsBuilt after 1980 to minimize major capital items (plumbing, electrical, HVAC)Single-story brick homes rent well and cost less to maintainFor a deep dive, check out the BiggerPockets books “The Book on Rental Property Investing” and “Buy, Rehab, Rent, Refinance, Repeat (BRRRR)”.

In many cases, knowing “someone who knows someone” isn’t just helpful, it’s critical to avoid bureaucratic delays and unexpected roadblocks.