I would rather pay private mortgage insurance than put down 20%.

Are you using private money? 

Did you find private money?

Hi Islam,Baltimore is a good market, if you know what you are doing or work with somebody who can help you out.There are number of investor/agent here in this forum, reach out to them privately or write here whjat you are looking for, you will get help for sure.

All markets you list will still be cities with populations forever, and your exit will be to a resident in that market, so population growth/decline, employment drivers, etc are of less concern relative to a large, institutional sized apartment complex.  

Conventional conforming loans or FHA loans have low down payment options 3.5-5% as long as you're willing to pay PMI (private mortgage insurance).

Would love to chat with any of you, please feel free to private message!

Where my wife and I settled, given our loans coming out of college (and in hindsight they were extremely low interest: 2% on federal, about 3.5% on private, with one small one carrying about 6%, I believe) was to take roughly half of our left over take home and pay down loans, and the rest goes into savings/investments.  

By that, I mean maybe more in the line of wholesaling, or private lending (if you are in the position to do so).

Private money How did you add value to the deal?