If it was medical and most actually are medical, then when the bankruptcy is discharged, they can't file again for 7 or 8 years so they are now a pretty safe bet.

Putting 20% down is the safer route however we don't plan to stay in the multi-unit for more than a year or two and putting down 20% would eat into our down payment for our post-multi-unit residence.

I bet they both will cover most of what you really need.  

Best bet with Trenton is tbh- Section 8 tenants at least the money is a little bit better- TBH somebody always needs a place to live and I look at it as someone is always going to get paid for it - Most landlords in Trenton I know are holding the property until the value is goes up - If it really becomes too much look into property management companies, also with the criminal vs. bad credit (I  know its lesser of 2 evils ) maybe have tenants with bad credit submit a letter of explanation maybe it can help weed out even more potential bad tenants -

I have not done this, but I bet you was the landlord insurance to cover you for the homeowner/landlord piece... and then they for sure want renters insurance but I would think that may be a bit redundant for you to obtain as well.

Vanguard) may be your best bet. 

Best bet for you would be to save up enough cash for the down payment of an apartment building as a commercial loan on an apartment building would probably be doable.

Even if you're in it for the short term, in today's rising rate environment, the 30 year option is your best bet.

I'd bet the 7th comes and goes with your checking account balance not improving.  

Your best bet is to find a 4-plex that is in an area that is currently being gentrified.