This dude got shot 9 times.

This means your tenants' private-sector jobs will eventually end.

Based on the questions you are asking I think you need to spend more time listening to podcasts like Bigger Pockets and Bigger Pockets Rookie.

If you have a 2 year work history, and go get a W2 job tomorrow, we could use your base pay right away (as long as it is "guaranteed hours" or considered "full time". 

I'm not trying to insult you, but the terms "36-Unit Multi-Family" and "First Time Investor" should not go together.

This is causing a huge influx of people moving here for jobs.

I have a potential private lender, but I need to determine if this is a viable investment opportunity and explore the best financing optionsYou’re a first time investor going for 36 units… alone?

The definition of poor initial cash flow has changed with time.  

There is an issue for the investor of being unsecured for that time frame or longer.  

That's the first question as real estate is like another job and if you are upgrading properties it's like running a daycare. also what experience do you have?