By the time Spring comes around, they are used to the new rent.I have low turnover in part because my rents lag the market.

Personally at the spot I am in now I would probably pay cash, as I don't like debt and interest rates aren't that low. 

For example, I am a little concerned about some aspects of the business cycle recovery and a potential for a double-dip so I lean toward the safest part of capital stack which is debt (or low-debt equity).

Here is south Florida the market is so competitive prices are going up so fast with low inventory.

It's typical to sell 40k programs to people after the free or low money get together.

You will be dealing with low-demographic tenants that qualify for S8 for negative reasons.

Borrowers can acquire a primary residence from up to 1-4 units for as low as 5% with conventional, as the regulation was approved last year of November 2023.

Next is probably his book on Investing with No and Low Money Down.

Even at 280 it leaves you at $32k and after taxes brings you down in the low-mid 20's, with no hiccups.

For the 4 plex you are spending an extra 80k in renovations (I question your 110k renovation number to get to 4 units - this could be low but I don't know the square footage or layout).