Jeremy,The difference in the cost is probably reflective of a difference in coverage or limits. 

The location I am looking in is in a low income census tract so there is no income limit.

I am not interested in traditional bank financing since it does not line up with how I plan to expand or how I've met with my limited success so far.Quadplex is assessed at $275,000 and I collect $3,200 a month in rent.

I always want it in place so I know what the terms and amount limit will be (75% LTV/up to $$$$).  

You should only leverage to the point where the investment can still create cashflow even in a down market....for those with limited capital to invest...not leveraging available cash diminishes opportunity to build additional wealth.

As a result, my credit limit has increased exponentially.

So far we have tried Saturdays and Sundays with limited attendance.

You may not be able to limit the occupancy to two people for a two bedroom property. 

But if someone has a limited budget and true determination (or in my case, true desperation,) it is a path that can succeed.Good luck.

This basically made a lot of SFR or duplexes being used as short term rentals limit their income potential and made the income on par with what you could get with long term tenants.