If the carrier does not directly offer a multi-pay plan, there are various premium finance companies that will generally allow for payments to be spread out.

I'm looking to start investing in pueblo Multi family homes for buy and hold rental income. 

It's currently zoned a sfh and I want/have to get the property zoned to multi-unit.

On the commercial retail side when a client is selling a multi million property at a 6 tor 7 cap rate you better believe they have impeccable records.  

I'm from Mississippi and very interested in multi family investing.

If this is a multi, do some ad value work.  

So having an SEO optimized website, doing Pay Per Click ads, blogging, video marketing, etc.

Wade,first you have to make sure the town allows Student rentals, most College towns do, but you can rent it by the room as long as its 4 rooms or less usually, or a multi family house. ( 2 family you can have 8 rooms ). most Property Managers will try to rent to a group before renting rooms individually, easier for them.

Multi, SFR, flip, wholesale, etc...?

Or just don't buy any multi families over 15 units in California?