I would factor in a certain % each month for capital expenditures, such as a new hot water tank, furnace, etc. 

Water heater, roof, HVAC, paint, flooring, siding, windows, etc.

Otherwise, you could look into non-conventional loan options (outside of Fannie/Freddie) that allow for less than 20%, such as local credit unions.As for your numbers, you're missing a few important components; the big items would be maintenance, CapEx, and utilities (water/sewer/trash) for a 4-plex.

This will really only be economical if there is municipal water/sewer right out front the park that you can connect to.

One more I love about CG is that we have separate water meters there ….

I don’t believe you need to allocate more for a STR compared to a LTR, but should consider the life of the property and what expensive items might need to be replaced/age of these items such as the furnace, A/C, roof, water heater etc.

Hi,I have a property in Fulton got water flooded due to storm drain backup.

And heaven helps you if you finance that thing at the high side of the market because then you can't service the debt and you're dead in the water and you start bringing money to the table until it erodes through your entire savings 401k everything you got in savings because you believe that the market's gonna correct.

In those young man years one of the better ways to get high fun value at low to no cost would be to date older women who have their own plentiful income stream and are looking for a man in that young virile age range to give them a good time and they'll pay for dinner and drinks, etc. 

Tried and true markets are water front (lake, river, ocean) and the mountains.