Of course your specific return requirements will vary, so figure out what the numbers are for your market, analyze them to determine margins and decide if that is an appropriate return for the risk you are taking.

@Adedayo Adetunji understand your frustration with the situation!

The wife wants to move, and likely not to a multi family house hack situation.

Last year January MN enacted the biggest # of changes all were added details and raised the bar of requirement for Landlords, including some specifically detailing how a listing must be detailed.

To find the best community bank, I would post in a local facebook group and ask which are the best local lenders to work with and ask for a specific contact.  

The problem is no one book is going to be detailed enough for your specific state and county.Right here on BP there are lots of discussions about tax liens.

If a tenant (friend) needed to move, I wouldn’t want to be in a bad situation financially.

I don't believe you would properly replace the debt in this situation.

My approach is conservative and focused on finding properties that meet specific criteria to ensure solid returns.If you’re interested in multifamily investing and would like to explore potential partnership opportunities, feel free to reach out!

I'm new to real estate investing and looking to connect with local investor.Thank youWhat are specific goals?