If you can buy a 4 flex that will allow your tenants to pay most if not all your mortgage. 

The commissioner ordered me to pay the plaintiff over $9k plus her attorney fees.

He also used to be a wholesaler so when i find deals he will lock them up for me and send the contract hes been using for years to his attorney, and then he'll still pay me out for my work.

It will pay off. 

Long Term non-paying Tenants.

Our current mortgage terms include a late fee after 5 days, so they’re already paying extra each month and have to split the total monthly payment up between 2-3 payments when they get their pay check.

I have spoken with them a few times, they are unconcerned, and happy to have me just pay the interest every month until it converts.

Keep in mind that all this time we were living with my parents paying them rent but saving/starving to score our next deal. 

The property owner's tax professional can help them with that and ensure they don't pay taxes twice on the same income.Disclaimer: My advice/opinion in this post is just that, my opinion.

Some PMC's will charge a lower percentage fee, but will charge it whether tenant paying or not.