There is no one-size-fits-all answer here. i have clients call me asking to lock in the maximum buy-down we can possibly allow; and others who think its a terrible idea. as other's have mentioned, i would first look at your recoupment period.

You mentioned you are struggling financially - answer a few questions for yourself- How long can you reasonably afford the property given the current tenancy issues?  

@Austin Paige sorry if dumb question, but regarding the REI calculators you mention:  are you referring to the ones found on biggerpockets (shown in image below)? 

With a mortgage foreclosure you mentioned that the IRS has 120 days to right of redemption?

I totally recognize that is impatient and greedy.My gut is saying your short picture idea is where we're heading since we are taking the same hit with brokerage account (I didnt even mention borrowing against 401k - yes its not advised but my wife and I have stable W2 income to pay ourselves back) Thanks again, this BP community / forum is awesome

I recently watched a video on social media that mentioned the way he was buying properties and yielding the benefit of the sellers low interest rate is having the seller put the property in a trust and then purchasing the trust.

As mentioned - why would they be responsible?

I was thinking Stamford at first, but the projected rents seem low for the area.I have one comment on the financing, you mentioned a 30-year amortization but then also mentioned interest only, which one is it?

You mentioned multi-family operators.

Not to mention that I've also learned having two ADU's is a no-go for many conventional bank lenders.