Allstate wrote out checks for 100% of lost rent while units were under repair.

HI Joseph,You can always start off on house hacking a multifamily in MI 1-4 units with min 5% down or 3.5% down for FHA.

According to FHA Guidelines; a family member can be a parent, sister, brother etc….So my question is this: Can I buy a multifamily unit with 3.5% down as long as one of my Family members is living in one of the units?

This criteria is for 1-4 and 5-8 unit programs.

Yeah if you are doing this just to generate some extra income with 1-2 units, the work-to-reward ratio is just not there.

I own another multi unit on this street as well.

I'm not one to plug my business and there is enough good, bad and ugly online for all to see.You will find many "real world" reviews on both Ohio Cashflow and Oz Realty via a Google search.Not perfect by any means and we make mistakes.Honest mistakes that we do our best to rectify.Standing the test of time in a real estate niche called turnkey that has been scared by many shady operators speaks for itself IMO.I will say this, investors buying sub $100,000 properties and only owning 1 or 2 and expecting miracles are usually unsatisfied.Sub $100,000 requires volume to work and for a decent long term return to be realized.Our price points are $70,000 - $100,000 and rent's are from $750 - $1,100pm2bed, 1bath and 3 bed, 1 bath is our bread and butter.Sometimes 4 bed, 1 bath and rarely 4 bed, 2 bath or 3 bed, 2 bath.The odd duplex from time to time and the odd 4 unit or 6 unit but those are rare.B class areas mostly.Sometimes B- and C class on occasion which we will stress clearly in any deal pro-forma along with the pro's and con's.Also, those that get their panties in a tangle and decide to leave the wing of Ohio Cashflow, we can't help much anymore as it get's messy and muddy so we have to politely bow out from any continued engagement. 

Property is one parcel with 6 permitted structures on it, 4 duplexes and 2 SFH, total 10 units.  

Yes and no, You’ll need to show you have similar experience in that scope / size # of units.

All of a sudden they are wanting to “re-discuss” the lease because the neighbor’s dog barks a lot and they play music in the middle of the night ie 2:30am until 5:30am quite often - week days, weekends, it doesn’t matter.