Bad apples are spoiling the reputation of good agents.

Duplexes and 4 families are apples and oranges.

Based on a 30 year loan at 5% interest and 100% financing of a $60k purchase (I know you will not borrow 100%, this is just to compare apples to apples), your debt service would be $322.09 which would leave $102.91 monthly cash flow.

It seems that "big boys" bid and buy a lot of properties and then they deal with it, they get good and bad apples and it works out at the end.

Structure it so that it's for the same amount, that way you're comparing apples to applesHope this helps, good luck

Each of these units has an address and is a separate identifiable piece of real estate.  123 Apple Valley Road is a specific identifier.  

Using "apples to apples" logic, let's use similar expenses and assume the following.

The break even for conventional versus FHA I would say is safely found around 680 - 700 fico since at that level of credit score the mortgage insurance for Conventional starts to become less expensive, however this fluctuates because you should look at the total effective rate between the loan and the mortgage insurance on an apples to apples basis.If FHA is at 3.50% but monthly MI is .85% your effective rate is 4.375% "all in," but the problem is FHA has a Up Front Mortgage Insurance Premium - UFMIP - of  1.75% (points) thats added to your loan as well and this is harder to factor but a good way to put it on par with conventional is to raise the rate to a level where you can payoff the ufmip or absorb it in the rate.

It's an app you can find on Google Play app store for Android phones (I'm sure it's available on the Apple app store, too) that basically adds a second phone number to your existing cell phone that you can text, talk, and set up a seperate voicemail from.

Seems like it's apples and oranges; still fruit, but with a different taste.:)