Bruh, if youre trying to compare multifamily homes in Chicago, which are 100-300 year old homes to new construction....then you really do have to re-adjust your expectations.

Cash if speed/condition/asset type get you a better discount.Mortgage if vanilla and doesn't benefit your acquisition price.  

This is all market dependent obviously but in general I think this is just a correction not unlike corrections in any other market - people adjust and things move on, just not in the same way.

There could also be other factors at play too such as speed/ease of communication and promptness of filing.

*I do not wish to trick my employer or any financial institution, I simply want to take advantage of the 5% multifamily down-payment and flexibility of my corporate job. you need to notify your employer where you are living and adjust your employer taxes as well as each state has different employee/employer laws and benefits.Regarding marking remote or wisconsin, not sure where that comes into play.

If your units are larger, the appraiser will make the necessary adjustments.  

Generally, for the optimal refinance, these are top of mind for BRRRR strategy investors:Return of capital: The key “secret sauce” of the BRRRR method is to build portfolios using the same capital over and over—which relies on getting your basis (or more) back on the refinance, where basis refers to the money you invested in the property (down payment and cash used for renovations).Speed: Refinance lenders use the term “seasoning” to refer to the amount of time (typically in months) between the purchase of the property and the refinance.

There will be opportunity in the next year or two as real estate prices adjust to meet economic reality.

In this case, your price per square foot would be $167, and you could estimate the value of each property using this formula.You can then make adjustments up and down, such as if you have a pool in the primary, or if one house has no garage, or sit on a relatively bigger lot . . . 

My goal is always to be as decisive as I can be once I've collected 60-80% of the data because you'll never have everything you need and speed is usually your friend in investing.