Its actually so simple is seems silly when you read about it, but that is the beauty.

Open to any and all insights and suggestions. 

Blue County = High taxes, pretty simple :)at $300 a month in taxes that’s a cash flow killer, you will need to go to the board next year and request an adjustment if possible, you may get granted but you will need to have a good report presented to the board with comps that are very similar to yours, but again it will be difficult because your property uncapped and it will never go back. 

These figures suggest the property may be overpriced based on current rents, so negotiating a lower price and increasing rents could improve the deal.

Any thoughts, experience, suggestions on this?

If you're open to considering other markets, I personally suggest checking Columbus OH.

Understanding these factors will give you a sense of how well your investment could perform long-term.I hope these suggestions help, and good luck as you get into multi-family!

Kindly help me with some suggestions what type of loan better for retail buildings.

Many investors in similar positions begin by building a network and learning the basics, such as understanding financing options, which can often be more flexible and approachable than people expect, especially for those just starting out.One suggestion is to set clear financial and personal goals so that you know what you’re working toward with each investment.

@Jerry Zhang, Gino's suggestion is a strong one.Why guess?