So it is like financing a $40.000 each for me for 10 years at 3.99%, seems like a solid deal for an investment property “mortgage”, which usually would run a lot higher besides that no bank finances a deal that low anyways.

Figure out why they didn't sell, usually terrible photos!

Usually, the better the deal is will make the financing more available. 

It may sound nice to pay a 5% management fee but the extra fees can add up to be more than the other company that charges 10% with no add-on fees.

I usually create it myself on legal zoom.

I would recommend going to the monthly IE Real Estate Investing Club, usually the last wednesday of every month.

Find a job you enjoy, and pays decent and invest for 10-15 years and you’ll have more money then you can spend $12,500 @ 5.63%$10,800 @ 5.88%$8,600  @ 3.63%$28,000 @ 4.27% (group of federal loans)My plan was to pay the required amount on each and throwing extra at the highest interest, unless I should save the extra for a down payment or repair money?

To find buyers @Klubo Adams here are 2 meetups from both of these groups coming up: https://www.meetup.com/Sacramentos-Real-Estate-Clu...https://norcalreia.com/Both are in Sacramento.Depending on the speaker, if it interest(s) me I usually attend.And a warm "belated" welcome..

There are a lot of $100-120,000 properties here that would have an average rent of $1000-$1,100 but the ROI is just not good, its usually just 5-6%.

If the house is available I offer them the extra time at no charge.