I would stick with individuals at those lower price points. 

For individual properties, we've recently started using a QR code system for wi-fi and email capture to save on costs.

On the lending side, we see a lot of private individuals that try to lend out of their IRA just because the borrower is a "good guy".

Also something to consider is what is the appreciation play looking like? 

NMLS Consumer Access is a fully searchable website that allows the public to view information concerning state-licensed companies, branches, and individuals licensed and registered through NMLS.

A prominent MLO in the northeast was recently charged and stripped of his license for playing this game with his borrowers.Also, everything is reviewed by underwriting.

They typically don’t go above 50% ltv and usually pay cash for the properties.The only people who would do this is private individuals with deep pockets.

While this approach ensures more reliable tenants, it also limits the pool of prospective renters, making it challenging for individuals with less conventional financial profiles to secure housing.Given these challenges, I have decided to exit the Ontario rental market.

Some carriers offer loss assessment insurance, which can come into play when the HOA experiences a large covered insurance loss, such as a hail storm requiring roof replacement or a fire requiring building replacement.  

Since you're an individual, mainly whether or not the 4plex was built in the last 15 years.Assuming the tenants have occupied their units for over a year you'll want to give a 60 day notice.Alternative route?