Email from my plumber:We dug up the septic tank and ran the machine in the drain clean out that was installed. 

Rents are collected via social security and donations from non profits as these are elderly people, therefore the rent is paid timely- Thoughts?

And any loans need to be non-recourse. 

Many sewer services have cameras that can show you the problem and what type of system you have.Assuming you are on City sewer, after you have the lines cleared, treat the plumbing with an acid treatment--I use CLEAN SHOT--4x per year. 

I am not aware of any lenders doing any 20% down payment options for non owner occupied quads.

If using a lender this is a non issue.

Sometimes you can also pay less down payment going through a hard money lender than a bank.Of course, all of this is assuming it's a non-owned occupied investment property. 

Non military borrowers who need to move for a job also get relief from the one year occupancy requirement.

This is why when I was looking for a multi I eventually purchased in a non-rent controlled area.

I just bought a non-performing 2nd note on a home where the 1st note is current, but I just found out the house is under contract and listed for 189K.1st note balance is 196K.2nd note balance is 51K.Market Value is 232K, but it's listed at 189K.To me, the math just doesn't add up.