My goal is to scale up to as many units as possible over my Career and I have gone from 0 units in 2013 to 14 in 2017 (12 now after selling two single family).

We wanted the property but had to walk away as the gap was too large and sellers were not reasonable.I don’t think you should offer more than you want to pay for a property or more than you think it is worth.

I have been able to acquire to 4 plexs this year and am grateful and even more hungry to scale my business now, although capitol to move forward is beginning to get tight, even with using PML.

On large MF you’re paying for volume.  

my questions was more if the 630 (or less if only depreciating the building), would be how large the taxable income can be, before tax needs to be paid (ie. anything above the 630 $ is taxable)?

The two big reasons that multifamily makes more sense than single family are scale and reduced expenses.

Large or small banks doesn't matter,  the overlays for investment properties  which make it difficult to work with lenders.  

The more units you have, the more you get economies of scale.

This may be a large over estimate in most cases (and hopefully is), but until I actually get some data and a track record, I want to be ready for anything. 

There's a lot of opportunity to get involved with large multi family units,  but if you can find enough investors you could do it with less of your own money.If you're looking at retiring in 15 or 20 years, you could start with some smaller duplex style units and build up from there, or just hold a few and pay them off.