However, this would reduce my total retirement savings to about 450,000 K. 

What are the ways to reduce putting down payment amount less than 25% for multifamily buildings with 6+ units?

I was still working full time as a teacher and closing deals I was working 70 hours a week and making myself available during the teacher breaks to my clients, waking up early to write offers or reducing my lunch time to 5 min to make it all work.

Furthermore, the private loan structure reduces the need for profit sharing, potentially increasing your overall profitability from the property's net cash flow and any future appreciation.Would be happy to answer anymore questions you might have. 

Reduce expenses.

You would borrow money to borrow money, which puts you in an over-leveraged position, just like a hard money loan or credit cards.Increase earnings, reduce expenses, increase savings, invest from a position of strength.

Might be able to find an exception somewhere (might have to reduce LTV/value by amount), but typically pretty black and white for DSCR regarding no rehab needed

Increase earnings, reduce expenses, save up, then invest.

Do folks typically go for a larger down payment, when possible, to reduce the interest?

I'm in Davis, so I understand if that's too far for you to travel.The smaller shower, 3x4 is going to have a curb, but I've been considering doing curbless on the large shower, 3x5 for the sole reason that it will reduce tripping hazards.