Hi Jimmy,20% down usually is the norm for traditional lending and some HML.

So far I found a local bank that will do it as an in-house traditional mortgage.  

It's a win-win situation for both you and the tenants.This will include some tough love...again, if I'm reading this correctly, you're planning on explaining to your new black tenants that their being broke is a choice they've made.

A 2 to fourplex is an awesome choice for a first time investment.

If you, a partner or your business have a good credit history you can get low lines of credit fairly easily from any traditional bank. 

Look for higher rent rents via non-traditional/modern rentals:- AIrbnb/STR-Leasing fully furnished-Rent by the room/Student hosuing-Assistance living, etc.

Rental refinance seems like the obvious choice if you only want to have one payment, but still remove the equity from your rental.

If anything, I'd want a traditional loan with a deferred payment or interest-only payment for the first 6 months if at all possible.

And they put every user into all of their funds, no matter how they choose the different choices on the wizard.

You asked a good question and this is based on my knowledge and experience and do not intend to put you down personally.If it is totally my choice, I would try to get into apartments.