Based on the awesome input I got here from everyone, I've updated my CapEx and Repair model - takes into account lifespan over 30 years, and if the age is within 85% of its lifespan, it puts the cost in the replace column, and automatically reduce the capex lifespan cost by the initial replacement cost, otherwise it just takes the replacement cost per year over the span of 30 years. 

Hi, I am renting out a 2 bedroom apartment for $1,200 I had two people looking at it, one person was an older mother not working with her daughter working that makes three times the rent net, but she does not have now the full amount to move in including the security deposit and her credit score is in 500 due to medics bills and a few other stuff, versus the second person makes a little under two times the rent but she has a great credit score at 6 70 and she has the full amount to move in right now, what would you do?

Loan wouldre-set to 30 years, but principle and interest would be reduced by about$275/month.Original loan was 354k - refinance would be for 327k+ .05% VA funding fee.

can reduce capital gain by 15%,,delay 4-10 years or even avoit it after 10 years...3- A $12M commercial building can save up to $600k taxes every year if you can qualify4- Can save up to 28% in expenses every year if you have a maufacture, laboratory, dentist, doctor, storage office, etc...Pretty powerful... 

Based on what you are looking for, I am willingly to bet that the land + building a 4-unit townhouse will exceed VA entitlement - unless you have the resources to reduce cost significantly or the funds to fill in the gap.

Since it’s my first one, I want to reduce the friction points as much as possible so I’m focusing most of my attention in areas where I have trusted people.

I am trying to figure out the real motive of doing so – is it multiple owners with some of them leaving or owners reducing their investment or some other reason…2) Since I will end up owning only 10% of the doors how do I ensure equal marketing as the doors are still part of a single complex?

The idea is to minimize/reduce that risk and that can be done by having the right teams and people in place.

Maybe reduce your hours or pursue a different career path, in addition to the income provided by your rentals?

And since many lenders won't loan  on any purchase that is too low that reduces it even farther.