market. 20% is going to be very, very difficult. 

Small multi-family is difficult to come by in Abilene.

It's very difficult to find a bank willing to lend in second position.

Paying above market to gain other benefits is sometimes a difficult pill to swallow, but for the unbiased investor looking for the best” ROI the risks and rewards must be analyzed rationally.  

Lastly, and most importantly from a lending perspective it could be a little more difficult to go from an owner occupied 2 family to an owner occupied 4 family.

The Net30 has become increasingly more difficult to find due to the increase in prices from labor to materials.

These can be difficult to finance just an FYI.

Certainly not for everyone (especially house hacking) - but that's why I love thinking about this quote when I'm in a difficult situation: "This is what hard FEELS like.

I’ve heard and read it’s difficult transferring a house from your name into your LLC versus buying it under your LLC in the beginning.

It is truly not that difficult but some providers make it look more difficult than it actually is.