A few years ago when I owned a number of 2 and 3 families, I'm told by my agent that the company I had no longer offered it, and there was only one they could find that cost a few times more.

Some clarifications....3-4plexes are 25% down min on primary or investment on regular conventional financing.You can use freddie home possible (HP) conventional as a primary residence as low as 5% down with reduced MI cost as well.You can use FHA to go in as low as 3.5% down but will have to live in the property with Freddie HP and FHA.Yes FHA has 1.75 pts upfront financed AKA UFMIP (upfront mortgage insurance premium) + MMI factor of .85% annual.What you should do depends on your deal, what you have for available capital, your investing criteria, and personal risk threshold.

In the end, I would own 100% of all the land and buildings and thusly avoid having to subdivide the land.Furthermore, I would have a land loan during each construction phase, but at closing I plan to have each mortgage loan cover the $100K land cost as well as the building cost.

It doesn't cost a company any more to administer a 10k account then a 100k account does it?

Turbo Tax put half the cost as depreciated over 5 yrs and gave me an expense deduction for 2015 of half the cost.

UNLESS you get an incredibly low price and with move cost = a great deal.We completed one in March.

Understanding durability and maintenance of material is important, may cost a little more upfront but in the end it is worth it.  

Might cost a few hundred, but at least it is cleaner transaction and liabilites are separated.

I have been using the bigger pockets calculator but it doesn't work well on the phone and I like to add the cost as I do my walkthroughs with my contractors.

The cost a couple dollars more but the mounting hardware is much more secure.