Any advise on current crime levels?

Expensive cars and their corresponding car payment is the biggest reasons Americans stay poor or lower middle class

I lost a ton of money but learned a lot.What I would have done was purchase a multi-family property to lower my living expenses and even earn income.

So this could mean you are getting in on the ground level at a rock bottom price.

Rents are a little lower than other parts of town.

Madeline Graham I’m finding quite a few properties at prices lower than that.

If it is because seller will take a much much lower price, then why haven’t they done so with the agent?

Yes, your interest rate will be lower, but the Mortgage Insurance Premium (not PMI as many people often call it) is not only a burden, but a huge waste of money (basically paying the FHA's bills).

It might be a good time to find a lower cost of entry market or just bank your money for the next downturn.  

The wealthier areas will be lower risk, and thus lower cap rates.