I'm financing 171k and using a 5% conventional loan while also taking 5% DP assistance through OHFA.

The property is in Pell City, AL and I was able to find this is a non-judicial state and potentially would not be tied up as much unlike a judicial process since it’s not going through the courts.ThanksDaria 

I was assigned to them through the team’s consultation platform.

To attract a long-term partner, emphasize the mutual benefits and build trust through transparency in the deal structure, profit expectations, and exit strategy.

Seems like I can't seem to stay cash flow positive after the refi part. 

Hey Alex,My name is Jagjit, and just like you I'm new to both RE investing and Biggerpockets.My plan is to start with multifamilies and I've talked to a couple of RE agents so far, and the conclusion I have is, in this high Interest rate market, its very difficult to find a cash-flow positive deal. 

Our properties (duplexes and triplexes) cash flow $500-$1000 a month with 12-15% some higher.

Yes, you can take advantage of it through a simple LLC or partnership agreement. 2.

Therefore, the only way I can get started now is through a homeowner loan that offers the 5% - 3.5% down payment option.

I have had some success going through someone named Kim Butler in my local OKC market, and she is usually able to shop multiple insurance companies when I run into a more unique scenario such as multi-unit properties.