I’ve been investing in the Tampa market for over 20 years, and in just the past year, I've bid on several mid-size apartment buildings and at least a dozen duplexes.

@Jagjit Singh Welcome to BPFirst you might mention what size multi family you are talking about.

Is this is a size thing (company just needs to get bigger/have more equity), or perhaps a business structure issue, or should I be looking at different financing sources other than local banks?

Counted all units and sizes in each town and looked up population. 

@Armando Carrera research and develop your own typical tenant qualifications so you don’t accidentally violate fair housing, landlord/tenant or local laws on occupancy limits based on bedroom quantity/size required for kids, number of unrelated persons in one house, etc.

And we found a great pre-finished lumber supplier for the siding and the tongue and groove that is saving us 10 to 15k a cabin depending on the size (and producing far better quality results in the finishes).It doesn't sound like much when you're looking at 300k to 500k builds.  

It's just one size doesn't fit all. 

Quote from @Tanner Sortilloer Sortillo: Quote from @Greg Kasmer: Tanner - My current strategy is to buy small/mid-size multifamily, so I would use the additional $100k to supplement a purchase of a 5-20 unit property!

Much of that depends on your loan size. 

That's a good chart for seeing what inflation typically would be 👌