I will be moving forward with getting the property occupied 02/1/22. 

@David Kelly If your cosigner is not going to also occupy, and is not a family me,her, your don payment goes to 20%.

I am looking to acquire an out of state MFR and am pondering self-managing remotely or hiring a property manager or occupying one of the units.

The property got rented fast and now the past tenant is claiming since that the property is now rented and occupied by a new tenant that we can not charge him for the 60 days owing ?

I know own the 93 unit apartment building and it is 95% occupied with roughly a $30k monthly cashflow.

If you are purchasing only investment properties consider looking into Associated Bank, Educators and TruStone, because they are local they may have lower down payment requirements. 15-20%On the Refi Rates there shouldn't be too much change in your repayment amount, if we are only changing percentage on a 150k with 25% down 3%, and we change to 4% and everything else the same mortgage goes up about $60 a monthAdditionally, your first duplex in 2020 you have lived there over a year so you can get a low down payment and low interest rate loan on an owner occupied 2-4 unit whether that is through an in house bank/credit union product or the FHA programIm open to any questions you may have.

Investment or owner occupied?

When I tried to push back the utility company said to prove it was a misreading, pay the balance or water would be shut offContractors/tenants - when I purchased the place it was occupied and then covid hit.

Austin has banned STR's that aren't owner-occupied.

This is true of owner occupied and investors.