Also,  when I handle a "multipack" of files the borrower receives a discount on total fees. 

As if they start the legal process the fees will go up significantly and you will continue to get further behind.

Unless your existing cabinets are in phenomenal shape, you can likely get a nice rent pop in Pilsen for the new factor alone. 

So in the end, I will be putting 4 new mobile/modular homes on these lots.Exit Strategy: Rent long term or Lease option to buy.The price of the "Farmhouse" is $175kRepairs: Pressure wash the house, paint inside and out, replace flooring: $10k$15k for fees, inspection, or any other unforeseen expenses$20k for Mobile/Modular Home SetupThe price on the 3 acres behind the farmhouse is $80kRepairs: Paint and new flooring $10k$15k for fees, inspection, or any other unforeseen expenses$20k for Mobile/Modular Home SetupTotal: $645kI have a lender who is willing to cover the deal @75% of the cost.I have a Gator who will cover the EMD.What I need is someone to help me with the Gap between that.

If you're prioritizing the headache factor, having one tenant is always going to be easier than manage than two, but I think what's more important is that you're vetting your tenants thoroughly no matter what type of property you get.Good luck!

Paying 2.4% for total closing costs (which include title search, title insurance, all attorney doc prep and recording fees) seems very reasonable given the relatively low $ purchase price.

It may be tough to find a property manager, and I would expect that you'll have a few additional fees when it comes to the rent by room strategy.I'd encourage you to think about managing the property yourself when living there as the landlord, and would be happy to share some of the do's and don't's that I ran into self managing a few house hack properties. 

Closing costs, title insurance, appraisal, and recording fees etc.  

And we assume that the load/wash cost us a good deal less than 40% of what we charge even when you factor the depreciation of the assets. 

I see that you have management fees set at 8% and interest rate of 4%.