I talked to a bank for conventional loan and either A: they require 25% down - which might work but prefer keeping a little cash for future deals or B: if it’s over 4 units he suggested to go with a commercial loan.Any experience?

This is from a listing that I saw from a turnkey provider that described the property as a B neighborhood.I took a few screenshots from google street view.

I'd also start building some real skills for home improvement as far as simple repairs or replacement techniques so I had something to offer others as either A. help and offer that as my sweat equity or B. jobs, to save more investment moneyI wold start looking towards longer term plans to make money to use for investing, myself, I'd save some more so I could become a notary at 18 and build a notary business as soon as I hit 18 to funnel into my RE plans, I think in CA, it's about $500 total from start to finish to become and Notary and loan signing agent.

(B)Except as otherwise provided in this section, not more than six unrelated adults may reside in a dwelling unit.

Hi @Joseph B LivelyPosts looking for partners, joint ventures, or funding are only allowed to be placed in the Marketplace https://www.biggerpockets.com/forums/517-marketplace

Pick a solid B-Class suburban area.

@Jay HinrichsI have a handful of 2% deals in a B area that i renovated and have basically zero maintenance/cap ex and self manage that don’t really cash flow and little to no appreciation.

Management (even if you self manage you should budget for it so that that if something changes you have the room for it) repairs, maintenance, (this should b low initially since you just did rehab but in the rental game things happen and you should plan for it) Snow removal?

I pay up to 60 X monthly rent for my properties assuming they are in C+/B/A neighborhoods and rent ready. 

B and C class multifamily assets aften gain value through increased occupancy in an economic downturn as renters move down to more affordable rents.