Really considering multi family for next property. 

Use private money lenders and choose a conservative market.

Your story gives me hope as a new investor looking for my first multi-family deal.

If so, you may choose to simply add it to the lease as being damaged at move-in so the tenant doesn't get charged for it when they leave.

If there were other issues though, be aware that they could choose to enforce this minimum at any timeMore recently, the city has created a rental database with contact information of all active rentals in the city that law enforcement and city officials have access to.

You'll get a much nicer offer on the first lien if you choose to sell it and you got 5% down (plus any other closing costs) and you've got a 2nd lien for cashflow.  

No appraisalI realize I don't get to choose the terms when using a white label service but I'd like to get close until I have my own funding. 

You're not buying a multi-unit, no need for FHA and the permanent MI which comes with it.

buy a small multi and rent out all of the other units. then rent out all of the bedrooms in your unit and sleep on the couch. 

I would look up some articles on Google proving that this is how bed bugs travel, then make the tenant responsible for treatment.If this is a multi-family, then the bed bugs could travel from an adjacent unit.