These are both 3% down loan programs with reduce MI or Mortgage Insurance multipliers, however they have income limits, so you need to know if your income is at or less than 80% of AMI or Area Median Income.

It doesn't matter too much how many partition walls you put inside the house, just take the overall square footage and multiply x the construction cost per foot for the area.

Residential will also use a gross rent multiplier, which I would say could also be weighed into the valuation for this property.  

@Evan Polaski thanks for the reply brother, thats what Im sort of confused about because the property is vacant & need about $20k in repairs, the buyer suggested I find out what this property can rent for & multiply it by 12, then divide it by the asking price, does that make sense?

I do have a very nice amount of capital to begin with and am looking for ways to multiply it, while also buying a few cash flowing properties along the way.

If you are self-managing you don't want to multiply your portfolio until you have a descent grasp on running 1. 

You will have to calculate payments and multiplied the payments by your gross profit percentage.

I just multiplied that by 21 times, otherwise no difference.

Multiply the P&I payment by the number of months delinquent.

MFH seem to help multiply units quickly.