Say a hard money lender will give me an 80% LTV, if I borrow the 20% down payment from a friend, would that be considered illegal crowd funding or something?

Let say a property is purchased for $20k with all cash.

Or do you give it, say, a few weeks to get more?

Could you build say a 10-unit multi-family instead of fewer townhomes? 

Yes they do a full Title search plus Atty Jon Sayas works in their office and they are extremely professional unlike some title companies who I see have conflict of interest and confidentiality issues....if I close somewhere, I don't want the title company to have a side wholesaling business or share details of my buyers or my deal to others --the actual closing fee that Stewart charges is $225 but there are other charges related to closing.

I’d say a rental that is 2023 updated along the coast is challenging to find.

I'll be cheeky and say a lake! 

In this case let's say a New Construction Townhome in a high desire, rapidly growing, great renting market.

So here we go, give me your reasons to buy a SFH, over say a duplex.  

I'd suggest checking out what he has to say as he says it with a much larger depth of knowledge than what I can speak from.