@Brandon CroucierIf i refinance again wont the additional lender costs, fees and closing costs be more and add upI agree it's a declining interest rate environment but I don't see interest rates declining quickly.

Without a preapproval you wont be able to narrow down your focus and know what you can afford3.

Hi John,For something of this size, the seller might be willing to carry a portion, but odds are your lender wont approve of it.I would look for an equity partner if I were in your boat.

DSCRs are great for when Conventional wont work. 

So I suffered for a long time financially.

She suffers some inconvenience.

I would avoid, suffered huge losses due to 6+ month vacancies between tenants and very expensive turn repairs (~4k after only 1 year).I will update this post if my experience changes for the better 

. :)Green carpet baby the quality of fake grass has really gone up.. some of my clients in South side of Chicago are actually doing it so they dont get violations when the teannts wont mow the weeds.People have been telling me I need to learn to golf for years.

The commercial real estate market (which includes multifamily) has suffered a big hit over the last couple of years. 

It wont buy me a lake house or a beach house but it does allow me to focus just on buying houses without an outside job taking my time away from what I like.