Nor took any action against 2 Trillion induced losses during GFC, by any banker or rating agency etc, but suppose it can't hurt to get some of your frustration out by filing a complaint, and the RADD managers may be dumb enough to give you back some of your money, as they purported to in 1 review (probably a lie).If I were in RADDs shoes today, I would have 2 choices, file bankruptcy and disperse assets after paying all liabilities, probably <50 cents on the dollar for investors, or do what they are doing, which is to go to church every day and pray for lower rates and tell the investors to go pound Sand. 

That seems like a lower demand area than any place I would ever invest.   

Keeping your options open while you settle in can help you avoid the stress of a hefty mortgage, and you'll still have the chance to build wealth in other ways.

Now I agree the 4 will cash flow better than one will but I also look at it from risk of 4 properties will have higher maintenance costs and lower priced properties tend not to appreciate as well as a higher value assetI am also in it for long game and managing one is easier than 4

Your main concern should be whether these bedrooms and bathrooms on the lower level are legal and have the proper egress require for fire code and livability.

No time to stress or dwell. 

First time that I am actually glad that I have to go commercial - rates are actually lower.

I have lower-end property in a small town.

Some assets can be valued significantly lower than their actual worth because of illiquidity and other factors.

A house-hack or LTR makes more sense because it's not stressful and you can focus on school. 3.