You'd be far better off to see if your county has public access to mortgages in arrears notices notices online somewhere, and pursue the preforclosure route, as best as I can tell.

Friends...can you please suggest which will be best bet Condo/Patio/SFH for rental ? 

I am also now looking into purchasing an owner occupied MF unit - I have a feeling this will be my best bet.

I think house hacking first is your best bet.

But with this kind of negative cash flow, you are betting that appreciation is growing more rapidly than the interest you're paying--just to beat putting $900/mo in a savings account.On top of that, you're still in the window where you call sell this tax free using the primary residence exemption.Using the $80K on a $350-400K multi or two $200K homes on a 30 year fixed will provide the same appreciation while having someone but you pay off the mortgage.

Aside from making deposits, most of my expenses are auto pay and made through my online banking.  

But you don't need Legal Zoom to create the LLC, you can do that online mass.gov for just the filing fee. 

Your best bet might be calling around to some local banks (portfolio lenders have flexible underwriting) and seeing what they will require to get a commercial loan on multi family properties. 

I have already called the Clerk of Courts (28 minutes on hold) and also searched their online tool.

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