The trick is to not take things personal.

Though personally I'd want you to get your financials dialed in if they aren't already. 

If you plan to expand your portfolio, starting with a 4-plex might provide a stronger foundation for future investments.It's also worth consulting with a local real estate agent or financial advisor who specializes in investment properties to get personalized advice based on your financial situation and market conditions.Best of luck with your investment!

@Franklin Graves personal loan!

If you plan on being a buy and hold investor then you should be prepared to handle capex events on all of your properties.

Does someone know how it works with the 5 person podio team? 

Usually with a variation of, "in taking ownership of this property, there are several ways I could choose to handle this property.

I am sure that you could responsibly handle one person's mortgage over a few decades, and it could be a great outcome.

In that case, yes, build a relationship with the gym and refer your guests for all sorts of classes and personal training.  

RE  Mortgage banker etc.2. criminal and credit back ground checks with redacted personal info IE SSI. but you want them to know your not an ex felon or did not pay your child support etc.3.