I don't have any debt and I don't have kids or much going on outside of my 9-5 career. 

I do have a HELOC for a worst case scenario--maybe this is also naive. 

Hey Jiovani, I'm a realtor and investor in the Richmond area feel free to reach out if you ever have any questions or need anything!

I have a 4 unit in Columbus (4 1 bedroom units). 

And I personally believe both have their pros and cons and neither is the 100% superior to the other (and I like having both in my portfolio).Having said that, there are some issues/problems with your comparison. 

Long answer - it's complicated.For 2024 you have a personal residence with room hacking.

If you don't have the cash and have no way to get it quickly I'd focus on sorting out a payment plan with HUD, if they allow that.

Try not to have your PI payments exceed 50% so assuming 50% expenses and short and long term cap x you might be safe.

I have already talked to a private lender of mine that tentatively agreed to lend on the deal.

So we have to do quoting manually.In your experience do you see people commonly attempting to offset ordinary income / W2 with syndicated losses, despite the above?