Similarly, if you put several Class D tenants in a Class A 4-plex, what do you think will happen to the property?

Make an informed decision if you think people are properly trained?

I think they know us remote landlords are at their mercy.  

Regarding borrow's DTI, Chase thinks that this item is not that important.I wonder will my high DTI impact the loan underwriting?

I think hard money lender to take this risk cannot legally charge appropriately which means the law is working against you (the law meant to protect owner occupied owners from unfair loans).I agree with @Jay Hinrichs that your best option likely is to sell on the mls.  

At every single point in history, people think that the market as it is then, is so hard, and so expensive to get into.

I'm building some currently (so obviously I think that works). 

5unit is probably manageable.  20 unit is work I would think. 

My biggest question is this: do you think I should continue to rent for now and prioritize tackling loans?

And you are thinking of trusting someone who will also make money off this transaction ?