My husband and I are 28 and have two good jobs. 

Currently have two long term rentals and looking to slowly and deliberately scale in a disciplined way.Thanks!

They may be able to finance you at a low down payment if you have experience, reserves, and FICO as long as the 65% of the value can support the entire purchase price  I wasn't saying 0 down, but the concept of full return of capital. 15% land purchase cash. in columbus land is let's say 50k we build a triplex for 350k which is very close to 15%. small entitlements, reserves required, etc whatever lender asks for. multifamily sells for 200k per door in our market over 4 units, we are pushing the values up. first ones we are working on because of rezoning, etc but it's a full refinance on 6 month seasoning and do it again. that's the scenario that I was outlining. we do it in the urban core of Columbus where new construction trades at $325 a square foot or more for higher rents and higher equity. we could still put more units per parcel in columbus. these are all infill I hate Lehigh acres. overbuilt, no infrastructure, no commercial drivers or asset.

Two units are currently vacant and the other two units are occupied. 

For the past five years, my wife and I have lived in an apartment together, and before that, I lived with two guys in another apartment nearby.

I just got a good quote for two properties in Lakeland from Giella Insurance Agency in Wesley Chapel.

There are two 36ft tall garage doors.

Coming up with half the cost or maybe if you have two partners 1/3 of the cost is a lot easier than all of it.This all sounds great, right?

You could theoretically buy up one or two blocks of dilapidated houses near SU or Crouse Irving for cheap and fix them all at once and change the look of that particular block in the city, but it would be risky.   

I have additional space on the lot where I think that I could build an additional duplex or maybe two small single family dwellings.