Who pays for maintenance is determined by the written contract between parties, not a list on the internet.

Dedicate one checking account and credit card exclusively to real estate.

Since the property is free and clear, you might consider reaching out to local banks or credit unions, as they often have more flexibility for smaller loans.

@Jaycee Greene I met with the credit union and waiting on an appraisal but pretty certain I'll access to around $80K @ 8%.

HI Stephen,You can always open HELOC or line of credit from your primary house or non primary house, assuming you have sufficient equity and income to qualify.

The most qualified applicant in my opinion is a family of three, whose credit and background checks are clear. 

If you want me to give you a quote, I'd need to know the address, 1st lien details (type of loan, balance, interest rate), credit score, income/DTI details, and target LTV (can go up to 80% CLTV on the 4plex). 

First of all I put my acceptance criteria clearly in the ad: minimum credit score (enter X amount, 620 is what I use),income 2-3x rent, good rental history, references, no evictions, acceptance dependent upon background check and employment verification, pet policy, desired lease term, etc. so that people will hopefully read that and not come to the open house if they know they won’t qualify.

I put my criteria clearly in the listing: 3x income over rent, 85% on-time payment history on credit report, and good references from past landlord.The biggest mistake you can make is taking the word of a current landlord.

They allow you to get funds at more favorable terms than with a loan or credit card.