There are down payment programs for duplexes, i have not searched or tried to do a 3-4 unit property. 

In this type of situation, they want low interest rate with low down payment also.

Does anyone know of a dscr lender that will allow for seasoned money for a down payment and a really good property manager in Ohio specifically in Columbus, Cin, and Cleveland?  

@Jordyn Ohsnot enough info to helpbut if you're using a HELOC for the down payment AND getting a loan, then you're probably negative cash flow given that's 100% leveragei would never do that unless i were going to refinance in the short term

It won't change the payment unless you refinance.

If you have a good FICO, a decent down payment and closing costs, go ahead an do the first one. 

I use credit cards, write checks, and pay in cash.Each situation can dictate the payment type. 

Monthly payments are fixed.  

With your income, you may qualify for an FHA loan with a smaller down payment, but buying now could limit your borrowing power and increase monthly payments.

@Robert StephensonIf you have enough equity in your primary or rental you can get a HELOC or HELOAN and use the proceeds as a down payment to buy another rental.