Trading properties is a healthy thing that rehabs homes and whole communities.

It'll will probably too time consuming and headache than just dealing with the 40 days left of your lease.

$200k down payment is a healthy budget for Phoenix multi family.

And employers here don't get W-2s, they give T-4s.I started a new job recently (about 5-6 months now) and make a healthy income. 

Mom's dementia/Alzheimer is worsening each day, while Dad is fairly healthy.  

In CA, lenders regularly budget for 1.25%.With your very healthy cap rate, I'd considering raising CapEx & repair reserves to a combined 8% (roughly 3,300).

Experian, Equifax, & Trans Union - mortgage lenders pull all 3 (as opposed to for a car loan, where they may just pull 1)Here's an article on how inquiries affect you by Experian:https://www.experian.com/blogs/ask-experian/credit-education/report-basics/hard-vs-soft-inquiries-on-your-credit-report/#:~:text=This%20type%20of%20inquiry%20appears,not%20impact%20your%20credit%20scores.According to Experian, you are entitled to one free copy of your credit report from each of the three bureaus every 12 months.https://www.experian.com/blogs/ask-experian/credit-education/report-basics/my-credit-report/Experian will give you 1 free for yourself here on their own site: https://www.experian.com/consumer-products/free-credit-report.htmlIf you have a hard copy of your credit reports today, & the scores go down a bit later you can show that EVERYTHING but the inquiries are substantially the same (assuming you're still paying all your bills on time, which you will be).  

Would it consume cash you might need to invest later?  

If the bad/consumer debt is higher than about 2-3% interest, I would recommend paying that down first as inflation rates are generally at about 2%.

Also if you decide to go with your original version, I would recommend first asking actual consumers, not agents, what they think is best.