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. 

yep your weight in gold.  

They may or may not have good reasons and unless they communicate those reasons and perhaps even substantiate them I really try not to give them any weight.

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

If it turns out well a good lender is worth their weight in gold.

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

Check bed frames and chairs for their weight limits. 

If it were 3 investors for example, and 2 have low credit scores, you'd want to have them at 10%, 10%, and you at 80% so your higher scores can be used.  

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.

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).