Hey @Justin Williams,I'll start by saying even the most flexible loan scenarios will look at credit. how it relates to the loan process, however, will differ depending on which loan type you go with. my gut punch reaction in this is that your credit score is more about limiting your LTV due to the subject prperty being a multi-family, or potentially driving the rate up so that you no longer qualify (rates are higher on MF than on SFR typically)....it also could be about how your lender is calculating (or not calculating) the rental income coming from the different units.

Is he running a very established business, lots of web presence, social media, referrals through “next door” type boards, to go after in small claims court.

Remember there are two types of sound - acoustic (noise) and vibration.

The other thing is, there are two types of appraisals IMO  - a bank appraisal and a private appraisal.

  ( 9-11% depending on the type of investment and time frame) Any experiences,  opinions or suggestions would be appreciated.  

So not sure if you have looked into some of these types of "crowd funding/sourcing" platforms?

@Warren FosterWelcome sir, would love to hear more about the type of multi you are looking to acquire out here.

For small handyman-type projects, sure, but for anything bigger than that, buying your own materials is silly.

More of an turnkey SMB solution for a property co-owned by half a dozen folks than a enterprise-type solution.

Some metrics I'd look at are nightly rates, cash on cash return, what type of tenant will I be renting to (nurses, wedding parties, and so on) to name a few.