The higher your credit, the better rate you will receive on your loan.

I just sold a duplex for $520,000 in four days, even though the current income is $1800/month and the market rate is only $3,000/month.

Seller financing does not always sell for more money and if there are big price declines then you may end up having to forecloseMy recommendation is to sell it with borrower getting traditional financing and put that $ in a tax friendlier account than loan interest = ordinary income rates

Grant,Another way to go about this is by looking into CROWDFUNDING platforms like Crowdstreet, Realty Mogul, Fund Rise, etc.

Generally there are three categories of multifamily investment properties – which will greatly determine your loan options.These three categories are based on the number of units at the property.2-4 Units: While these are “multifamily” properties in the sense that there are “multiple units” – you will generally have very similar options for financing to traditional residential loans on single family rentals – think the traditional 30-year fixed rate conventional option or DSCR Loans – and the coveted 20% down payment option too.

My only challenge would be the occupancy rate.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

So this may result in a higher interest rate. 

In the Midwest you can expect to find 2-3.5% cap rates, appreciation makes up for the rest.

This niche area does not have alot of recently sold properties and the ones that have sold are condos in high rises not single family dwellings.