But the way you see it, man come visit me in Vegas, i like to watch people gamble like cray cray  do you get upset at craps table when people bet on the don'ts?

I’ll take that bet.

Should I go above 4+ units or mixed use and pay higher down as opposed to residential multi-family with lower down.The same money, I can hold on 2 residential MFs versus 1 commercial property.I don't have the answer. :)   I am sure each has its pros and cons.

Coming soon is your best bet. 

If they aren't your business will dry up very quickly, because others will not see the value.I think there are other ways you can qualify potential clients versus making them pay, and maybe you already do this.

Just because the agreement says something doesn't mean you'll enforce it, or enforce it correctly.Your best bet as a beginner is to get a good book to learn the basics of property management.

I'm not saying that you will qualify because you will have to show income earned in the last year versus what you will be losing, if you are have STR's or are a landlord you would have an amount that you are losing from all of this.

You don't have any real confidence of your ability to do this but you want the bank to make a bet on you. 

I would bet this realtor is talking about number of homes sold down 52% not home prices.

Would be nice to meet developers from the area who can give me a straight answer on quantifying numbers to build a 110 unit building there versus building one in Niagra.