Ants, spiders, flys, and other ordinary pests are often brought in by tenant behavior, so it's reasonable to expect them to handle with removal.Bed bugs are 100% the tenant's fault because they do not travel from home to home on their own; they have to be brought in.

Or they've dealt with one of the 50% of realtors that sells 1 house or less per year.

Being that I'm so new in the field, I am trying to think outside the box to find this type of buyer.

Not sure when that will end. 

If this is financing for a stabilized property rate carries more importance but rate combined with origination fees, pre-payment penalty and term in which you intend on keeping the loan in place are all considerations which together should help in deciding the best financing option.

What you are dealing with is a negotiation issue, not a rate issue.

It's important to choose that one and commit to using it.

Wet signing the lease in person is the only opportunity to talk to the tenant about stuff that matters - so we quickly switched back.

@Brandon Eike  That's a decent amount to put down. 

For the 4 plex you are spending an extra 80k in renovations (I question your 110k renovation number to get to 4 units - this could be low but I don't know the square footage or layout).