I have not used either personally, but I have spoken to two contacts in the Rochester area . . . one is Rudy Napodano at First Niagara:Rudy Napodano, Vice President  Rochester Business Banking First Niagara Bank777 Canal View Blvd.

It's centered around partnering with businesses that do a lot of marketing already, that would add my info to their marketing and vice versa.

The reason is because there are not many other sales in the area for me to formulate a typical cap rate from.For what it's worth, I have read as much as I possibly can on due diligence for multi units but there appears to be some contrary vice, some people say use cap rate, some people say cap rate is useless, some people say to verify expenses with the landlord before running the numbers, other people say that's pretty much impossible, but the main underlying pattern I see is that experience trumps everything.I've never bought a multiunit before so I can't just go off of my experience here, so I'm hoping someone more experienced can help point me in the right direction.The building is a standard four unit apartment complex with two floors and a central staircase.

High cost areas, like SF bay area, would need higher down payment to have positive cash flow and vice versa.That's why I am curious about what investors in different parts of country consider a good down payment %.Please mention the state and city.Thanks,

Remember, you could buy an average property in a hot market and make a crazy amount of money or vice-versa.

Or vice versa.  

You don't know what you don't know yet, it's as if in a black-and-white world, you can't see gray.So slow down, Captain Jack.

A landlord that keeps the exterior in good condition, commonly keeps units in good repair, and vice versa.  

Feel free to make corrections or add feedback - I realize that states can be landlord friendly but cities can be tenant friendly or vice versa.LANDLORD FRIENDLYSUNBELT ArizonaTexasFloridaAlabamaGeorgiaLouisianaMississippiSouth CarolinaNorth CarolinaArkansasColoradoOklahomaUtah (moderate)New Mexico (moderate)MIDWEST OhioIndianaMichigan* (I hear they're trying to make it tenant friendly / make evictions difficult, perhaps limited to certain cities)Illinois* (not Chicago)Wisconsin (moderate)Iowa (moderate)North DakotaSouth DakotaMissouriTennessee (moderate)WESTWyomingIdahoAlaskaMontanaSOUTHWest VirginiaVirginia (moderate)KentuckyNORTHEASTPennsylvaniaNew Hampshire (moderate)TENANT FRIENDLYNORTHEASTMaineVermontRhode IslandDelawareNew YorkMarylandConnecticutMassachusettsWashington, D.C.New JerseyMIDWESTMinnesotaKansasNebraskaWESTOregonWashingtonHawaiiSUNBELTCaliforniaNevadaSource: Various articles and Turbo Tenant

The associations have to reapply for this every year or so- some can't qualify and some just don't bother.https://entp.hud.gov/idapp/html/condlook.cfmSome properties that are called condos  are actually townhouses, and vice versa. lots of confusion around this, but if the property is legally a townhouse, then you can get the FHA loan.