This is a very rough estimate and are handyman prices not GC prices.Central Air $3500 for new A/C unit.Ductwork estimate $800.Paint exterior $1500-1800Landscaping, removing trees,  depends on house but $500-1000Removing tool shed or items from back yard $500Roof estimate about $200 per square  (100SF) of roof. 1200 SF house roof around $7k-$9KSeptic System/ Drain Field $5-$7K or moreWindows can be very expensive and require permits in Fl. about $500-$1000!

But sure, better to leverage your taxable assets now to make money today versus tomorrow.

My market the quads normally will bring in higher NOI than duplexes just because you have 4 rents versus 2.

I read about ratio utility billing systems (RUBS) and curious to hear about personal experiences with this.I am open to company recommendations.

If not, an underwriter will assume you're taking advantage of the system and do what's necessary. 

That is big variance.If he owns that much then likely a lender he has used in the past is going to give him the best terms with his track record versus a new lender relationship that is unproven and a one off loan.

My clientele is different in that they are highly affluent and most of the population lives paycheck to paycheck so they way they tend to think about money versus time and savings is different. 

I do 8-12% vacancy on multis depending on area.Capex should be higher, presumably you have two HVAC systems, two breaker panels, etc etc.Also, leasing fees (I don't understand why nobody includes these - they can be substantial especially on a multi which is generally going to have higher turnover than SFH).

You can also, use CRM systems (a paid version), or if you plan to go big down the road, some crowdfunding platforms offer their back office that will include not just tracking but also the whole portal to use for investors and syndicators (after a deal closes).Best!

As long as someone is not trying to sell me some new real estate system or new strategy for investing.