Recently i have been leaning towards a 4 unit for the reasons you have just listed and thanks for the double analysis tip will definitely help keep things organized for me.

It is possible I did it using my local community credit union.

I have a credit union that will lend to my LLC at 4.75% for 25 years.

I've decided to get a home equity line of credit and use that money to do some investing.

This particular property is a Short Sale in Cincinnati, OH and has about $2k (1 years' worth) of past due taxes on it.My contract with the Seller reads, "At closing, Seller shall pay or credit on the purchase price (a.) all real estate taxes and essments, including penalties and interest, which became due and payable prior to closing...."

*Edit* Very important tip!!!  

I've been turned on to great books and tips and trick in just a few weeks of reading and listening to the podcasts.  

The issue I have is that I have some credit card debt thats holding me back making it very hard to save for capital for a down payment.

I've been listening to the podcasts for a while and am looking forward to meeting more people in the community and learning even more.If you have advice/tips on commercial real estate/investors in wine country, or MF investments in the east bay, I'm all ears!

@Athena Lei The money judgement will stick on their credit report.