I would like this to be a 4plex, as it is small enough to grind my teeth with.

I do know that title companies are sensitive to this though...I look forward to your input / advice!

@Andrew Neal I did not - I started in single family cut my teeth doing that flipping a couple of 100 homes then transitioned to commercial real estate doing multi family, office and retail deals now after about 4 years in residential - why you ask ?

And a key note, when you correctly frame things as a discount, if/when a good tenant turns bad, you'll thank me you did it that way because that's when the teeth come into it and billing defaults back to full rate.