We are currently in the market for a multi unit complex (8 or more units).

Does it matter as much if I'm looking into buying an apartment complex? 

I have lease agreements for all the properties and they are all cash flow positive but I am worried that a lender would not look favorably on the complex situation with my seller financed homes as they are not outright mine on the deed etc....

Because the laws are very complex in this area.Here's a simplified example. 

My partners wife managed an apartment complex here in columbia near the stadium, so we have experience on our team.

But I'd like to enter the mid range complex 20 unit and greater.

It is not a complex decision...time and money.

With real estate, ostensibly, you own a house, commercial building, apartment complex, land, or some other tangible asset.

Jacksonville is huge and has extraordinarily large and complex sub-markets.

Apart from NNN leases being a little bit mor complex, there is also the fact that commercial properties in general require a LOT of cash.