Also if they have children you could have a huge liability on your hands if one of these kids hurts themselves due to the stairway not being safe. 

I had a couple of children and refi'd it to a 15 year loan in 2004.

However, my main goal at this point and time in history is to preserve capital until the dust settles a little and I can see blue skies ahead.If you were one of my 5 Children or 14 Grand Children I would advise you to sit on the sidelines for a bit, take a chill pill and wait out the storm that lies ahead.

A little about myself: I'm 39 years old, married and a mother to 5 children (yikes!).

You're certainly not afraid of a challenge.

(Some of the books that helped me the most I have read multiple times) Financing your deals is not impossible if you have downpayment money, but if you have a BK and no cash, you're right, it's very challenging. 

The Miami (and South Florida) market in general can be quite challenging to find the very good deals.

But it was her boy friend that put the down payment down 5k then and 5k later which he paid.( he was also the father of some of her children) The house went in default when he found out about it he brought it current. 

I've invested in a few crowdfunding deals but I would like to begin buying up small multi-family properties in my, somewhat limited, spare time.I come from a blue collar background, so I'm not afraid to get my hands dirty and I don't mind a good challenge. 

My biggest challenge is going to be putting together a reliable team.