The opportunity cost of capital for 20% significantly outweighs the cost of the mortgage insurance required on lesser down payment loan options.

Also, the demand still out weighs the supply.

Keeping that in mind, I would choose the 4 unit because the benefits of that one extra unit do not outweigh the benefits of the better financing options. 

There might be exceptions you’re willing to make, but I would be sure it’s because of other criteria far outweighing the bad and being able to document that criteria.

Not to worry, the many up-sides will outweigh this occurrence

In my experience the pros outweigh the cons. 

Dude sends me the picture and the estimate outweighed the cost of a new refrigerator.

Deeper knowledge will always outweigh risks. 

A nice, tidy and attractive triplex that has curb appeal will likely outweigh one next door neighbor with old cars in the yard.

@Timothy YenAs a plan provider, I cannot make a specific recommendation as to a company to work with per BP guidelines.What I can help you do, however, is refine your question.I'll start with the fact that there are only a handful of firms that offer quality self-directed plan services, and experience, quality of communications and responsiveness outweigh geography for the most part.Self-directed IRA's come in several formats offered by different types of companies.