I've only owned a couple sfh am middle-aged and not sure I agree with flipping sfh at this point to create wealth, time freedom and passive income so I have been reading and there seems to be a lot of talk with multi-families and more specifically apartment investing.

My first fear for you is that you don't really know much based on your questions and you might need longer to learn it than just trying to get and fund this deal. 22 units, with only 2 multis as experience, makes it harder to find stranger money, but more probably to find friend or family money if that makes sense.

Quote from @Greg Kasmer: @Jerell Edmonds - Would you girlfriend be buying the multi or you?

Is this a single family or a multi?

I manage both SFRs and multis in Houston.

Investment Info:Small multi-family (2-4 units) buy & hold investment.

You want that other 15k on the side for reserves, especially if you are buying a multi.

We're doing multi-family redevelopment and the architect is taking 6 months with constant hounding to respond to notes from the plan reviewer.

Initially I would become friends with several real estate agents that are familiar with the area you wish to invest in and who are also familiar with the ins and outs of a multi family property. 

Own few condos and single family now looking to expand into multi family