I generally stick to strictly wholesaling, but the more I learn about terms/owner financing (especial 0 down 0 interest) I realize I've been missing out on a lot of deals.I appreciate all of your responses ahead of time.

I'm just trying to look ahead to see how the area will react when we have another economic pullback.

The property has functioned and will continue to function as a rental "as is" assuming you are not being forced to do any work.If it is not required you are placing your personal feelings/opinions ahead of smart business decisions.The business formula is buy, do only necessary repairs, upgrade only to increase rent, place tenant, earn money.

If you go ahead and find a good deal you should find a money partner and flip it 

I'm looking forward to the challenges and mistakes ahead.

That is deplorable results and indicates that the property is a liability that you would be farther ahead not owning. 

Here, a financial power house is leading the way ahead of a technology company. 

Well, if you're about to begin a VA or FHA loan, go ahead. 

Now you've got the SEC on your back...You need to get your business structure, paperwork and processes looked at carefully by a good real estate and business attorney... and get ahead of this.. before you're paying big fees on defense attorneys.However, be careful when you market your deal to an end buyer or investor.

So I always have plan A and plan B for financing and only go ahead if my worst case is still ok for me.On income side, I'd use actuals for 3 units and low end of neighbourhood prices to estimate the fourth.