Lastly, for this post, I am keenly interested in creating my web presence quickly with an eye on SEO and content as a main lead generator as we are driving for dollars and scraping data from tax delinquency and probate lists.

Both you and your husband are considered to be "Disqualified Persons" to your (or your husband's) IRA and can't be part of any transaction involving your IRA. 

Then I read Rich dad poor dad and my eyes opened.

Everyone is willing to sell, but the 3 unit apartment I've had my eye on for the four years I been in the area has finally contacted me.

Scenario A (typical) - $500k duplex-$125k down-$375k mortgage at 4.6%Scenario B (modular financing) - $500k duplex-$125k down-$260k mortgage at 4.6%-$75k HELOC on primary residence-$40k loan against 401(k) (technically this would be $165k down, but you get the point)In scenario A, paying off the mortgage quickly makes zero improvement on cashflow until you pay it off completely, or refinance, and there's no point in that if your rate is locked in lower than current(or future) market rates.Scenario B could involve higher interest rates on the HELOC and the 401k loan, but you have multiple, simple, easy options for increasing your cashflow, and then you don't end up playing as much in the overpriced, volatile stock market.

Ever get involved with that?

However, it seems like a 4-plex would be difficult to finance unless owner financing was involved.

When looking at Cleveland with those out of state eyes many have found The Ultimate Guide to Grading Cleveland Neighborhoods to be a great resource.

Waste of a mortgage given the fees involved. 

That is not the case everywhere, and not the case where I live in DC where almost no agents are involved with rentals.It is pretty common for agents in Boston to receive fees from both the landlords and the tenants.