I’m here because I’m interested in investing in small multi family units, duplexes, triplexes and fourplexes.

Quote from @Michael Baum: Hey @Bret Ceren, I did a survey last year (I think) where I spoke with 10 lenders.

Most county's and areas have a Real Estate Investors Association and can often be found through Google.

The question I have is, if I get a hard money loan, can I get enough to cover the closing costs and realtor fees and other associated fees?  

One method to meet the sort of investors you're looking to hobnob with is to get involved in their association.

Property Bank StatementsTitle, Appraisal, Environmental, Survey Reports – If availablePurchase Contract

Quote from @Ty Coutts: Hi Phil,in Columbus, OH, some great places to network for deals including local real estate investment clubs like the Central Ohio Real Estate Investors Association (COREIA), meetups, and events hosted by real estate brokers or lenders.

Not only is it a costly and hasselsome process to establish such, but at end it's an association of 4. 

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

I do condo plans as part of my W2, and these SF calculations can vary based on the coord with the attorney and owner as far as how the association is originally set up in its budgeting for dues.