The structure you are looking at works fine so long as the asset generates sufficient cash to cover expenses; however, as all RE investors know, the unexpected furnace malfunction or roof failure requires injection of outside capital. 

Your notice was more than sufficient and you need to stick to your guns.

What the lender you spoke with is talking about is called the self-sufficiency test where the other 3 units of your quad need to cover the entire PITI of your mortgage.

If you don't have the sufficient income history, you could possibly get away with showing the bank an employment contract if you have one.

This way you can avoid the self-sufficiency test on 3-4 unit properties that comes with the FHA loan.2) Maybe you can find a SFR + ADU to house hack?

Just got involved with a great mentor who's got us excited about Multi-Family and it opportunity to becoming self-sufficient and attain our goals for the future. 

Rent range - The rent must be within the target tenant pool's acceptable rent range and generate a sufficient ROI and cash flow.I determined that the vast majority of this tenant pool rents single-family homes and a narrow selection of townhomes.

Grounding through the receptacle screw is not considered sufficient.

For Real Estate Sales Persons license - Yes content is sufficient and prepares you well. 

Though I have a promissory note and a recorded second mortgage, the current value of the property is not sufficient to satisfy the first lien holder and my loan, therefore foreclosure will result in locking in my loss.What options, if any do I have to recoup this six figure loss?