You may have other options through a portfolio, or sometimes called commercial lender, but the rates will be higher.I see you are in Illinois, reach out to @Zack Karp - he and his team are investor friendly and top notch, I've financed a few of my buy and hold rentals through him as well.

Do you have to have top notch wiring to rent - can people live with two prong outlets in bedrooms, for example? 

The weight along with notches in the joists required me to redo every bathroom floor from joists to subfloor.

Hopefully this is useful information, might be worth cruising around the area on Google Street View to get an idea.This is all top notch information.

I love your drive , however why not turn it down a notch  and get 1 deal under your belt .

Also a top notch property managment team to get it lease up and profitable.

They are the ones who benefit the most right away with top-notch answers from the community.

When you do invest your money, have a top-notch real estate lawyer draw up or review all documents.

@Theresa Harris I inherited the bad.I have replaced 3 of the six apts.Rehabbed each one when tenant left and rented for 30% more to better quality tenant I’m not saying my screening is top notch but much better than the previous owner.The remaining 3 I have one bad tenant 1 great tenant and one who the rent is 40% below value, she has been there for 15 years though and the apt will need some hard rehab once she moved out.

So, I would worry more about choosing a lender that can provide you value by collaborating with you and sharing with you all available options specific to your hopes, dreams, and goals - at competitive interest rates and top-notch services than a small dip on your credit scores. 2.