Where to find multi-family units and gotchas with multi family investing in Jersey

[Suresh Ram]

Hi Fellow investors,

I have been using BP to gain insights in real estate investing and have been applying them in my townhome rental units. This time i want to enter into multi-family investing and looking for some tips. Any direction from current multi family home landlords are appreciated.

Looking to put down up to $100K in down payment. 3-4 unit homes are my target

1. Where to find multi-family units in South and/or Central Jersey?

2. What are some decent areas with low property tax and high occupancy rate?

3.Zillow doesn't bring me any units, my realtor also doesn't have knowledge on multi family units, what are my other resources you would recommend?

4. Would  you recommend equity line of credit? or 401K loan?

5. Any tips in multi family home investing?

6. How do you calculate the Returns in a multi-family unit?

7. Are utilities paid by individual unit tenants?

Thanks

Ram