One of my investor friends is in a jam because he wasn’t allowed to sell a couple of the properties within a package b/c of the UCC filing.

So I got the package of rental forms from WI Legal something or other, and on the initial agreement (M-M) I only required tenants to pay for "water"; not fully realizing that the Milwaukee water bill also has "sewer" and "muni" charges - which are far more than "water". 

If so, was the second lien from part "1" a home equity loan or was it part of the original loan package?

I like 4plexes because of the "neat package" of financing almost identical to a SFR.

AMFAM is the one that says all perils on their elite package (but it was $150 higher).. so there is $150 difference.. may be for a peace of mind, I shouldn’t worry about $150 higher one

Profile and great packaging by your loan officer will get this done.

But, I have made many mistakes and I want everyone (especially those starting out) to learn from my mistakes and the obstacles I encountered throughout this process.

But even that aside you could look into commercial financing on a package of homes or package a bunch of houses together under one portfolio loan.

What have you encountered?

Cleaning - you can still negotiate a package deal with the cleaner (if we give the contract for cleaning both buildings, we need a discount).