Run the numbers looking at a 5 year plan.

You'll probably do ok in the long run. 

Our client gets OPM and they make money  but they have to run the asset.

You can sit down with a lender to "run numbers" and find out roughly what you qualify for. 

Your tenant's friend will probably just draw it from whatever nearby circuit thay can tap into most easily.....So running a new 14/2 cable from the main panel will probably not be easy unless it is really close.

However, fact patterns are frequently similar and and become easier to resolve (or run away from).The property is subject to competing spousal claims.

totally learning as much as I can from others cuz I am still young and don't need much money for now all I can and want to do is that absorbing knoledge and skills from the peoples like you who already doing it but I do wanna stand on my own one day and run my own business.

“A QOF is an investment vehicle that files either a partnership or corporate federal income tax return and is organized for the purpose of investing in QOZ property.”What are the benefits of buying property in an opportunity zone?

I think they are just an extremely conservative bank and that is their interpretation of Fannie's guidelines.I have already gotten approved from some other banks (credit unions), so I'm not worried, but I am curious if anyone else has run into a bank telling them they need at least a 20% down payment on 3-4 units, regardless of it being FHA or not.

It's true that you make more money in the long run with appreciation compared to cash flow.