These types of loans typically require at least a 10-20% down payment, as lenders want to see that you’re financially committed to the project.There are ways to get creative but they still require some form of skin in the game. 

If it is multiple units but all the rents are different amounts then it will be easier to track.

Down payment of $13K including reserves sounds pretty low to me . ( Based on Maryland ) When you think about reserves - do you consider it a multiple of the monthly rent?

One of the features I like from Pipedrive is that you can add multiple properties to an individual.

@Thomas Polise has multiple STRs there, including one that is a four-plex in the middle of town.

if your asking me Joe  I suspect wrapping a DSCR loan would be an event of default with those lenders.. and one would risk having the loan called and a lot of times if you have multiple loans with the lender they can call them all in default..

, but I have money in multiple deals at the moment and want to just make my chunk and get out while my other projects finish and sell.

I also run investor retreats out of them so they serve multiple purposes.I would say that it takes a specific person who wants to invest in Costa Rica.

Take that information and see what might work best for you right now in this position in life.House hacking is an awesome way to get started and even doing that can still be a bit difficult to cash flow today so run your numbers multiple times and do them well.

With multiple units, you’re less exposed to vacancy risk—if one tenant moves out, you still have income from the others.If you’re leaning toward long-term buy-and-hold, multifamily might align better with your strategy.