I'd stick with three bedrooms sharing one bath that is easily accessible from a common hall.  

I find that in my particular case, having unfettered access to cash has given me investment opportunities I couldn't have done in a Solo with the limitations they have.

Or if you don't want to share, are you lending on residential or commercial properties?

(There are a lot of great commercials from companies who are notorious for not paying claims.)

I have the opposite problem, I have access to the funds but am just starting and do not want to make a mistake that could leave me up s**t creek and rebuilding the funds for another 3 years.

I have a little chicken or the egg issue though - part of the resource I was going to use to look for deals was the MLS, however, I can't get access to it until I work with an agent.  

If I buy all 5 at once lenders are pushing for commercial loan at higher rates.

TSP is a retirement account. not very accessible car payments and personal loans are terrible revolving debtso you traded these two things for liquidity.

Is there any commercial sites, that I can use to find multifamily properties? 

@Daniel Lehman I will second everything @John Mocker is stating, but also add if you are getting quotes through commercial insurance carriers, they will not pull a credit score.