100k in my neck of the woods probably wouldn't get you into MF, remembering that MF is only 5 units or more.I would look for 80 LTV debt and don't put down too much as it will start effecting your return and it's harder to scale quickly (but not recklessly).Rule-of-thumb, again in my area, are roughly $200-300 in free cash flow per unit and if you were able to get a 5 unit then you would likely receive in the area of $1000-1500 per month.Hope this helps and I thought my corporate job would kill me as well so I understand where you are.

Patience and diligence is what it takes.If you are impatient you are more likely to make bad or reckless decisions.Start small and work on your presence in your market, it's not going to happen over night.

Are they reckless drivers with speeding violations?

Not really, this comes from the reckless irresponsibility of one who has taken and old method of refinancing turning it into a BRRRR system, it's guru folklore full of assumptions.Begin by buying, the rehab the place, borrowed funds or your cash, doesn't matter.

Every generation is portrayed as lazy and reckless when they are young.

@James Watts - if you can get someone to put the money up under that arrangement you described that would be a great deal for you and reckless for them.

My main take away is to maintain a healthy cash flow AND healthy cash reserves, and don't over leverage recklessly.  

That said, you're looking at massive amounts of debt (gambling, reckless spending, etc) for a situation to get that extreme where administrative separation is on the table, not missing a few months of rent.  

I addressed inflation, again after years of folks saying that this nation's reckless spending we are guaranteed hyperinflation or at least high inflation and it never comes, not even close.

Be vigilant not reckless.