That is obviously a "commercial" loan and doesn't have the safeguards of an owner occupied conventional loan. 

Protecting yourself starts with proper measures to safeguard someone from accidentally getting into the pool, fences, door locks, window locks, etc.

I know there are safe guards etc etc but you take an under capitalized investor who stacks these up then has a bunch of tenants not pay and it leads to a real mess I have bailed a few out of those jams and I have personally seen another dude do this and rip rents and of course no one on BP would rip rents on a sub too on purpose .. but this guy did and he ended up in state prison. 

You said it well--you either implement safeguards or a different strategy.

It not only safeguards your personal finances but also makes tax filing a bit more straightforward.

Of course you should safe guard your credit but 5 pulls is equal to 1 pull in a 45 day period.

Our first four plex and the numbers line up now just getting to an agreement that safeguards everyone and is fair and profitable for all parties. 

In an inflationary environment, institutional investors RUN to real estate to safeguard their money.

It helps safeguard you if your property is damaged (say by fire or storm), or even if someone is injured on your property. 

So just wanted to know if it makes sense to give a low ball offer like 12-14K just to safeguard myself against the unknowns.