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Yes, estimated about $30-35K in repairs and negotiated that into the purchase price as best as I could. 

We estimated the ARV to be $150-160k.

If the rate is reasonable then it may make sense to try to save fast to get to the 3.5% down payment on a double or triple - househacking may allow you to increase your savings rate and pay down that loan even faster.As for estimating costs, closing in NY factor at least 1% of the mortgage amount for tax, plus $1500-2000 for lawyer, title and fees, then the amount required by the bank for escrow will depend on the actual property taxes and insurance.

A fixer is generally where I buy but I'd buy turnkey if the cash flow is there.What about something like this: https://www.realtor.com/realestateandhomes-detail/120-Sand-S...?

The real way to answer this question is to do a detailed break down of the numbers. 

If you can find a precedent, that could bolster your argument significantly.Lean on the Physical Details: Four mailboxes, four sewer lines-those are big indicators that the property has been treated as a four-unit for some time.

It depends on the LTV, type of loan, whether it is rate and term or cash out refi, and some other details, but that's not crazy.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

Just go through them, select the renovated/closely matching ones, and enter them into a model.Here's my fix & flip model, you can see the comps entered and some quick stats below them: Then I use that comp data to adjust the Sale Price in the model to what I estimate it will be (double check the resale $/sf is in-line with the comps), then adjust the purchase price until I hit my desired return level.