Putting that little down on a multifamily property will likely not work for most lenders (especially 5 units and up) with DSCR ratios being difficult with interest rates so high. 

This will cost time and money and can be just as difficult as moving away from home.If you want to make it you'll need to do some hard things and make some hard decisions.

Most agencies are slow to process paperwork, have a lot of bureaucratic red tape, and it is difficult to get them to respond to inquiries.

However, if I tried to sell this note, I might have a difficult time doing so because there is no open market for selling notes and adding the fact that the note is in default, I might have to discount the note if I wanted to get cash for it.

Third, you will almost certainly need to hire a STR management company if you buy internationally which often makes the numbers difficult. 

Once a month may be difficult for some borrowers and lead to strain on advancing the project.

Otherwise, it's very difficult to find a property that is cash flowing well.

If you use different sources it will be difficult to calibrate the different scores, but think of it as a percentage of the max available score.This particular score seems to be based on an applicant's credit history, including payment history, credit utilization, and credit availability. 

I am under the impression it is very difficult to get lenders to finance new builds especially spec builds.

When things are difficult in 2024, you buy less, but you are still looking.I like the analogy of a runner.