And if so, would you prefer to put in the time to negotiate those lower prices yourself, or pay the wholesaler for their time?

So in all cases but one the spread is greater than 3%, and in that case (using higher-interest bridge debt) we plan to refinance into lower cost debt by year 3 which will then create a spread in excess of 3%.Unfortunately buying commercial income property (includes multifamily) requires very sophisticated financial analysis and there are no shortcuts or rules of thumb that will give you the complete picture. 

It's up to your comfort level and goals but, why not look to refinance and get a lower monthly payment and use the $60K+ to possibly invest into other real estate?

Some people may buy a property under their own name for the lower rates and down payment requirements and then turn around and place the LLC on title... if you do that you will most likely break the due on sale clause and the lender could, call the entire loan amount due, not likely, but they would have every right to and you would then be SOL. 

Hello BP, looking for some perspective/opinion on which route to take with $50K cash with the goal of long term buy and hold: Pay cash for a BRRR - $50K Purchase (finance) two $100K properties - $50K down payment (in total)For simplicity, assume my numbers/deal are spot on and the cash flow in both scenarios is the same.Pros of 1 BRR – Left out the R for repeat...as I would hold on to the property - No loan, one property (with same cash flow) – slightly less maintenance as only one set of mechanicalsPros of 2 financed properties – Leverage, mortgage paydown by tenant, more potential appreciation (2 vs 1 property)Cons of 1 BRRR – less rehabbed (just rent ready) vs 2 financed TURNKEY propertiesCons of 2 financed properties – lower cash flow per door, paying additional (taxes, insurance)thoughts?  

We sometimes go with income 2.5 times rent but no lower and that is with excellent landlord references.

Lenders will look at your prior two tax returns and will use the lower number to qualify you.

I have not done any kinds of deals like this one, but with this being a financed purchase, I would think you would have to get a commercial loan where the rate/costs might be higher and the amortization possibly lower as you wouldn't be able to get a traditional residential loan (to my knowledge) on this package. 

What I understand, from your post is that you are more interested in a lower cost home that would be comfortable to live in (no work needed) so you can save money for an investment while your fiancé (congratulations!!)

You can get away with a lower down payment, easy to analyze and some renters prefer only SFs.