IE - 70% of total units are rented at levels <=80% AMI.The higher your “Mission Driven %” (IE - the more units you have rented at levels <=80% AMI) the lower your interest rate will be.

In the winter the gas bill is a lot higher due to heating, but electric is lower.

Many hard money lenders offer loans that include rehab costs, which could be beneficial for your BRRRR strategy.Alternatively, if you find a lender that offers a DSCR loan with a lower down payment requirement, that could be another route to explore, especially if you already have positive rental income history.

For the crowdfunding and similar platforms that are starting to rise, would the lower returns be a result of the diversification they provide or due to the different risks they come with?

I found this deal through a wholesaler in my network and I negotiated with the wholesaler to get a lower price with the buyer because of an issue with an attached empty lot.

As Guadalupe said above, a DSCR is a great option for buying with a lower DP but it comes with the caveat of higher interest rates; and as Nate said, National Bank of Coxsackie in Glenmont is a great local bank which wont sell your note to larger banks.

As a SFR investor for over 15 years I have been wrestling with this question in the past, because it feels like you should upgrade to "bigger".I know for sure that I would not enjoy the ownership experience that comes with a small 4F, because in Milwaukee that typically also means lower income tenants. 

Shouldn’t it be at a lower multiple?”

Assuming the area checks out, I’d rather buy in a high price area that has little to no cash flow rather than an area that has cash flow but lower price.  

This defers capital gains and depreciation recapture taxes on the sale of your fourplex.After converting it into your primary residence, you may qualify for the primary residence capital gains exclusion ($250K single/$500K married), but only for appreciation after the conversion; gains from the rental period remain taxable.