Depending on the individual property you buy your SO may not find it that bad.

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.

TH folks are much more eco-conscious and interested in down-sizing, reducing costs, being environmentally-friendly and in many cases, mobility.  

It seems like a hard money lender typically a private individual or venture firm) would be the only route to go since they are a little more lax on lending requirements than a conventional lender.

It would make sense while you are doing all of this work to also maybe look at installing an individual heat source for the upper unit giving them control over their own unit temperature. 

While discussing various strategies with another investor friend, I suggested that I’d like to do a 1031 exchange, taking my equity and rolling it into a smaller home to start my BRRRR endeavors.

Other considerations things to look at include; are any utilities common (like paying for a boiler for all 4 units instead of individual furnaces), how does access/common areas work, do the tenants all have access to laundry, are there any common area utilities (light common area lights, electric or gas for laundry) that would stay in the owner name.  

I now have lifelong education available, business partners, and friends. 

Im looking to get in touch with wholesaling teams in the area to establish my self as an investor friendly agent.

A little background on us.....we are both very knowledgeable individuals and extremely ambitious.