Someone will point out that the 2-4 unit have a better track record of appreciation these past few years, but as mentioned I suspect that's largely being driven by the residential DSCR loans, the same way that being able to get a $200k student loan for an associates degree in basket weaving will drive up the cost of basket weaving education to $200k (and if the loans for the $200k basket weaving degrees went away, the price of a basket weaving degree would instantly drop, true or false?).

Although my degree does involve real estate or investing in any way, I am excited to gain as much information and knowledge as I can here through BiggerPockets!

With this degree of leverage, a correction could easily put you underwater in your mortgage.

How much debt are you taking on and will you use your degree?

I have a business degree so I knew a good amount before I took the law exam.

The downstairs tenants are also concerned about their heating bill (electric) which is averaging $600 a month during the winter (even though they keep it at 65 degrees.

Another option if this is strictly for investment purposes, you could try to go DSCR. we have one lender that will allow for 1-4 units (inv. prop solely) who will go as low as 620 fico, but your LTV may be limited to, say, 70%. qualifying would be based on the rents received, not off your $100k income. there are options out there, keep working at it and get a 2nd opinion even on a full-doc loan. hope this was helpful to some degree!

they are more expensive than stick built take years to get approved through the building  departments in many jurisdictions and the folks that buy them are eclectic to a certain degree.. they work well in Rural settings where you can really lock them tight and leave and not worry about thieves.  

And investing in really any form is a degree of speculation, let's not act like some real estate investments are a given.If you don't think rent is going up, or you think it will stand still that's an equal level of speculation.

I do understand the extra risks involved, but I was curious if you know if it scalable to a degree of 10 to 100 homes using BRRRR a year?