There are Multi-family units in my area. 

Also is you purchase say a duplex and plan to live in one unit you can use the income from the second unit as long as there is a tenant with a 12 month history.

I hosted attorney panels in local REI clubs, and there never was any consensus.In our great state of Texas, your best option could be a Series LLC: one LLC that has individual compartments for each property.

This criteria is for 1-4 and 5-8 unit programs.I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

I am just starting out in a duplex unit near Cleveland Ohio. one of the unit needs work and that got me some trouble getting property insurance.

Hi, is a condo that I owne, our ceiling is damaged by upstair unit radiator. 

(I know COC ROI >= 12% and cashflow of $100 per unit at a minimum) Is there anything else I should hone into?

I pay one month's rent for placement and a flat $85 per unit, per month. 

how many units under management?

I own about 80 MF units, but this is my first ground up construction.