While we have liquid to do a 5-15k downpayment, we'd like to use a minimal amount of our own money.Seller is not in need of a lump sum of cash, and has said they would be open to monthly payments as a financing option.

When bitcoin was at 60k+ a coin i reached about $270k but i never sold anything.

While your property management companies provide monthly statements, having a dedicated account will make it easier to track transactions, verify statements, and manage cash flow.

Last year we were able to connect an investor of a coastal six plex with our personal credit union and due to strength of borrower and property, they provided a non-member with a 25% down mortgage with a 25 year amortization on a property the seller was requiring 'cash only' due to the presumed challenges of multi family financing. 

Purchase price: $25,000 Cash invested: $5,000 I bought this property in a package of 4.

That property would never cash-flow with today's interest rates.   

You are buying the property with a cash flow-that's great!

I understand that we all would like to be able to buy cash flowing rental properties at a low interest rate with zero deferred maintenance and sit back and collect checks.

Purchase price: $177,000 Cash invested: $68,000

Balance of current loan with private lender is about $470k.pro forma (and actual cash flow) runs about $1200 net each month.Property is owned by an LLC of which we are the two members.Last week I got a quote from a company for a DSCR loan for 9.25%.