I would like to try and buy a multi-family and I guess I will just continue to monitor throughout the winter to see if a deal REALLY jumps out at me.

Hello everyone, I'm planning to buy a pre-foreclosed multi-family property in my town. 

Also it makes it more difficult that you dont have any experience level or track record. keep looking you will find a lender but again keep in mind your credit score, finances and experience level will all factor that number of lenders that will open up their bank accounts to you.good Luck

In my town, we have what's effectively considered "allowed non-conforming properties" which are exactly like you discussed...multi-unit buildings in single family zones, etc because of grandfathering.

I'm trying to track down a few property owners in Ramsey county.

Preferably someone with multi family inspection experience.

Programs that focus on multi family?

But how do I go about paying and tracking the monthly payments to the HELOC.

I'm sure you've heard already but i wanted to share that the easiest way to track down a mentor is by attending the monthly meetings that are in your area.

I've found no fewer than 9 multi family dwellings that are ripe for the plucking but I'm so broke I can't afford a free phone call. by my estimates, these properties combined would net me $8,600 a month in revenue depending on mortgage payments. it is painfully frustrating to see these numbers and not have the knowledge to obtain the capitol to put them in my portfolio.