Just because they pay a penalty doesn't mean they are off the hook.

MF hedges against market shifts and cap ex. also doors are a multiplier X so if i have 100 units under 1 roof and 1 of my tenants moves out and trashes the place well thats only 1% of my expense.. as opposed to 1 SFR which would be 100% of my expense.. the only aspect I could potentially agree with is the liquidity.. but lets start off with IF you are investing in holding real estate then you SHOULD be holding LONG TERM. so liquidity is only a tertiary calculation.

I have a million classified posts showing the style we build. you'll never get the numbers at that rate. your numbers are way off and way too low. work with an experienced general contractor who knows this stuff. 

Getting a 4plex to start off should be awesome and really get your capital flowing.

Are you working with wholesalers to find off-market properties? 

And this is all before you pay the property off.

If it’s in a standalone LLC make sure you aren’t better off hiring someone to do the work.

All that happens is a demand that you press 1 if you speak english, if you don't a loud noise will eventually go off after many repeated demands to press 1, then it will disconnect. 

We all hope to retire some day, and we're better off working toward that goal together.If anyone wants to connect, grab coffee, discuss JVs, etc - feel free to reach out. 

Conventional rates may be higher, but depending on your situation you might be better off with conventional due to variations in mortgage insurance.