Remember, this was a long time before we had use of the internet or anything else we think of as “technology” today1.

I made an account on the bookstore website using the same email thinking it would recognize it and be linked to my BP account but it does not and doesn't recognize I have a pro account and still tries to charge me for landlord forms. 

He is asking for 800k, 25% DP, and 9% interest which I think is ridiculous for owner financing. 

if the building cashflows really well ... it wouldn't be a big deal to use a loan for dp right...at 10% down for lower income housing I don't have much money and I think that this is the best way to get multi-family management experience to meet hud loan requirements in the future which Have the lowest Down payment options.Am I overthinking it?

U can now advertise it as such and charge a premium i would think 

I think you're missing a key ingredient: how much time do you have to earn your 20%?

So I got to think obviously they are fine..

I also have general liability insurance, a personal umbrella (which I don’t think will cover me as I may need a commercial umbrella).

Transforming SFHs into multi-units and targeting 2-4 units for value-add potential is a smart way to build your portfolio, especially if your goal is to qualify for larger loans down the line.If you're aiming to hit the 5-unit mark and unlock better financing options, here's something to consider:Leveraging BRRRR Strategy: You’re already thinking about the refi route, which is key.

We don't have a spa so that makes it difficult but I don't think putting one in will make that significant a difference for the cost.