This takes a little more work, but it's the fairest and reduces the likelihood of tenants that squander utilities.If you choose #2 or #3, there are considerations:Start with an average.

The implication is to lower rents requires reducing the cost of ownership.  

Then ask them what your options are to reduce payments in the future.

Rather, 51% of us are introverts who just want to learn how to invest and reduce our risks by learning instead of chanting affirmations in a stadium.  

Focus on optimizing the current fourplexes (improving rents, reducing expenses).

It’s hit and miss, really need to deeply understand what they offer, if they will work for you or against you, whether they sign the lease or you (I prefer me, to reduce that lock jn). 

To intentionally reduce the leverage more than required is a foreign concept to me especially in the San Diego market.  

You never skip interest, you just reduce principal by $600 so you pay less interest.

They found that targeting traveling nurses and medical residents provided reliable income, especially with amenities like a washer/dryer and blackout curtains.. details that are often overlooked but highly valued.For STR potential, I’d suggest researching local tourism data.

Freddie has similar intricacies, but also does not require a two year history of receipt; https://guide.freddiemac.com/app/guide/section/5306.4If you can use the rental income to drive the DTI down so that you can reduce the down payment similar to that of the FHA product, the benefits of the conventional option will outweigh the FHA option, as I'm assuming you have a strong FICO based on rate quoted with no points.