One - market appetite, which is reflected in the capitalization rate.

Attached items such a walk in coolers, fire suppression systems, hoods, power vents , sinks and the likes are part on the building and remain.   6) If a TA is needed to get the lease signed and you desire to give one I would give them 1-4 months without rent.

The variation will depend on how large your downpayment is (20% minimum), your experience, quality of the asset, your overall net worth and income and the appetite of the lender. 

That being said, the appetite for multi-units is still very high and will remain competitive especially because inventory is so low. 

This is purely about your appetite for risk.

If you are a long term Buy & Hold Investor, there is now reason not to lock in (Artificially Suppressed Interest Rates/FED) current rates and minimize issues down the road (3.

Pros and Cons to both sides of the coin - I say find a place you know well (or have people there you trust) and develop a strategy that matches your appetite for risk vs reward! 

Pick up the phone, call them, ask to speak to their loans department and ask them what their appetite is for doing HELOC's on non-owner occupied small multifamily.

Pick up the phone, call them, ask to speak to their loans department and ask them what their appetite is for doing HELOC's on non-owner occupied small multifamily. 

I don't see any appetite for businesses to resume these any time this year.