Whether you consider that good or bad depends on whether you are a buyer or seller. 

Lender - "What kind of rates are you guys seeing on DSCR lately?"

Like any investment, there are good and bad deals.

Was wondering if anyone knows a guy/girl that can't help me acquire sed property off market for a better price. 

@V.G Jason,I'm not at all suggesting making bad investments.

After 5 months we had a bad water leak under the house.

Wholesaling is risky, because there are a ton of bad players out there, and so most brokerages don't even allow it because there is so much risk, and the principle broker is risking their livelyhood. 

It is better to have a vacant unit than a bad tenant. 

I believe sometimes a bad experience is more reflective of the individual than the company. 

Meet with a local banker & schedule a time to talk with a mortgage broker, they'll give you at least a baseline of what kind of down payment options and rates are out there.After that, if you're still wanting to research more creative options, do some looking into seller financing (a very hot topic with good, and bad, advice out there), look into private lenders, and commercial financing options.If you're wanting to live in 1/4 of your quadplex, then conventional residential loans may in fact be your best option as you can purchase that with a fannie/freddy loan with very low down, and use up to 75% of the income from the property toward your own income.