If I could put zero down and be cash flow neutral, I would do that all day.  

If let's say, your annual mortgage payment is $14K on your $140K loan (or 10% loan constant), that means your have neutral leverage.

If the tenant wants any custom color other than the neutral color than I use in all my units, then I will ask the tenant for a fee of $3000 so I can paint the unit back to neutral after they move.

student loan is neutral debt because it does not produce cash flow but the loan helped you to get a college degree which then helped you to get a job.Don't forget inflation which eats away at your loan (mortgage or otherwise) when the rate is low 4-5%  (inflation around 3-6% traditionally).   100 dollars now will be worth 90 dollars in 5-10 years.  

This way you can be at least monthly cash neutral while you proceed with the additional units.

To answer that, you have to ask if you can you find rental properties in Grand Rapids which are currently cash flow positive, and which even in market-downturn stress testing (using 2007-2010 data as a stress test) are highly likely to maintain relatively neutral cash flows?

I can't speak to your goals, but I am an examples guy so I will use ours as an example.The MFRs that we have seen that we could house hack and would be cash flow neutral would require somewhere between $20-$40k down depending on location and number of units (we have looked in south king county and pierce county).

Install the same ikea kitchen same neutral colors same vanity and bath tub.

Especially electrical you need done by a insured professional, if someone is killed because your "painter" didn't ground your neutral or something you'll be not only be sued but go to jail.

Its almost as if Ive fallen out of love with the business. not sure if its a temporary thing tho. or maybe i just need ideas to get my mind out of neutral and into gear.