If you want me to give you a quote, I'd need to know the address, 1st lien details (type of loan, balance, interest rate), credit score, income/DTI details, and target LTV (can go up to 80% CLTV on the 4plex). 

Your credit score needs to stay relatively the same from application to closing. 

And when a rising tide is lifting all boats, groups that amplified their results by using risky high leverage could score some massive returns until the music stopped, then will subsequently struggle to keep the rest of their portfolio out of foreclosure.

With middle 700 credit scores you can push your rate into the mid 6s today.

There are lenders out there that will lend up to 50% of the AV with no minimum credit score requirements. 

I was impressed with Jerry's scores of YouTube videos which provided helpful tips including his live phone calls demonstrating his wholesaling techniques. 

If you have a lot of equity or if you bought the property when your credit score wasn't great (leading to a high interest rate), then it might make sense. 

I used Hanscom credit union, which I hear a decent amount from other investors in MA.

If your property is up to par you won't really have many maintenance calls except minor stuff such as plumbing clogs which is more likely to happen and requests to turn the AC up or down which you can do on your phone but other than that pretty hands off.Vacancy depends on location and your Padsplit property score the more comfortable you make your property (mini fridges, tv's, outdoor area) the lower your vacancy rate but you can expect about 10% vacancy factor in a Padsplit friendly area (centrally located, easy access to public transportation).

Securing loans with a low credit score is possible through private or HM lenders.