Hi Carlo,In each of my locations (FL, IN & CO), it was slightly different...in Indiana, where I'm originally from, I asked friends and family for their suggestions on plumbers, painters, handyman, etc.

Plan either way would be to self represent (with a little help) and apply commissions towards closing which is why I referenced being an agent as well.

Whatever that lender's requirement is, that is what they will require2) If you want the best favorable terms, apply to 3-6 companies - make sure you have a mix of mortgage broker, local credit union, and a mortgage bank.

What are some important things to ask and look for in a multi family that might not apply to single family?  

Same types of rules apply in that this would not be a "traditional" style loan. 

Investors receive % annual cash flow, increased deprecation benefits, refinance distributions, with long-term generational returns.Since they're focusing on multifamily units here in California I don't if it would work for you, but applying the same equity harvesting strategy is gold, imo.Congrats on retirement btw!!   

I am currently reading "Long Distance Real Estate Investing", by David Green (published by Bigger Pockets) and decided to apply some of the analysis to a currently listed deal on NORADA. 

If not, then the 75% rule can apply but only to offset a maximum the housing expense for the subject property with no additional overage to help your debt to income ratio. 

Me and my eviction tenant are applying for the Court Based Rental Assistance Program together so she can pay the rent she owe me without an Eviction. 

When you go to apply for the next loan that loan will still be factored into your debt to income ratio.