We know it needs to be completely rewired electrical wise and the bathroom and kitchen need some work but the house is very livable. 27 Hamilton Street, Haverhill, MA has a few pictures on Zillow. 

Non-sprinkled (smoke detectors only), electric installed in conduit as well as circuit breakers, central gas boiler and contains no common hallways ( exterior entrances to each apartment).

So i have this 4plex im interested in but dont know if its a good deal i ran numbers based on pro forma and got good numbers then i finally got the financial spread sheets and renters roll and its still kind of good but want to run it by you guys: some backgroundProperty was rehabbed by current owner. has 4 separate hvacs all interiors have been painted newer roof new carpet new tileList Price: $309,000Year Built: 1960'sUnits: (4) (2) 2 bed 1 bath (2) 1 bed 1 bathGross Monthly Rent: $2,695Rents: $595, $595, $710, $795Monthly Mortgage w/ 25% down & 4.5% interest rate including insurance and taxes: $1,356Water, Trash, & Sewer: $200Management Fees: 10% ($269)Maintenance: 5% (134.75)Landscaping: $130Tenants pay electricity and gasfeel free to plug in any missing factors all help is appreciated

Just notify the tenant you need to do some preventive maintenance of the property, such as checking the condition of the HVAC, window seals, electrical outlets, etc. 

New flooring throughout, 2 completely redone bathrooms, took down walls to open the place up a bit, new doors, fresh paint, some crown, lots of patching, light kitchen remodel that include granite tops and an island with concrete top, new dishwasher and range, new HVAC units, moved some electrical around, new garage door, some fresh landscaping, added a fire pit, and gave the porch a facelift with some new posts.

This could be anything from termite damage to problems with the foundation to electrical wiring that is not up to code, etc.

And each pay electric themselves.

In this building they pay their own electric bill, which is nice, especially since the heat and everything else is electric.

However, thinking realistically with my upcoming new job and finishing school, I probably will not have time, nor the energy for sweat equity, so I am thinking I should buy and hold to build equity, as opposed to focusing on building cash flow.I am aware there may be things I have not considered - so I am humbly asking the question --- What would you do if you had access to VA, FHA and conventional loans, approx 20-30K capital, good credit and low DTI?

In addition, we want to minimize the amount of TLC-work we need to do because we want to focus our energies elsewhere.