Does the bank take into consideration the income from the other units?

It's definitely tricky because you want to be considerate and you are also running a business.

I believe if your mother-in-law runs out of money that Medicaid will step in and pay for the nursing care.

Unless you're working with Private Money that is going to carry the risk of your lack of experience, banks want to see experience, Net Worth and liquidity after close to consider the terms.I started with single family, four plexes, and remodel flips for a lot of years before getting into larger deals. 

As someone else had mentioned, the prospect for appreciation should be a strong consideration. 

A line of credit won’t commit you to a monthly payment unless you use the money, so you can avoid paying interest when it’s not in use.

And even here, you still need to be "active" to research who you are lending your $$ to, and due diligence on the deal itself prior to investing your money.

Even when we manage to reach a working voicemail,owners often assume we are just another "we buy land" serviceoffering far below market value.Given thesechallenges, we are eager to learn the most effective strategies for locatingpotential sellers and establishing a professional, trustworthy connection thatencourages serious consideration of our offers.Telephone/voicemail is informal, hence casual, hence “we aren’t putting much effort into this.”

I have only been doing this for 5 years but what I have learnt is that it takes money to make money.  

I have made a lot of money doing BRRRR and the majority of my purchases have achieved the infinite return.