Now my property manager says i can rent it out for 1395 a month and i pay them %10 percent for rental property dues.

So you are likely talking about 6 or 8 percent returns.

Based on my rough calculations, with a 20yr fixed rate you would pay about $26,700 in total interest for the lifetime of the loan, as compared to $42,400 for the 30yr fixed.

The potential cash on cash here is around 5 percent. 

I still have a property manager, but they only charge 7 percent.  

Anyway, you’ll need some cash as zero percent down isn’t going to be an option either.

The reason we originally started using Retirement Funds is that is where a very large percent of our assets were ALREADY.

Our rehab cost is literally 50 percent lower than what "normal" real estate investors pay.

One of the local lenders we have spoken with told us that they still require 20 percent down even if the fourplex will be our primary residence.

The White House states that more than 25 percent of the cost of a new home is directly related to federal, state and local regulations and up to 42 percent for some new multifamily constrictions.If the above is factual, then the a dramatic increase in low priced rentals should occur and drive supply up.