I like the smart agents in NM that have it in the listing agreement. 

Here's my question, and it applies to both of the questions/choices:  Why does it have to be a choice between the two? 

Consumers are smart and will see your listing could have been split, and if they could have gotten them separately at less money they will get angry and give you a bad review.

I am ready to buy a small multi-family, but I am stuck in a place where I have couple of choices.

There simply was no choice but to jump in and get things up and running as quickly as possible and get the water out ASAP so it didn't do more damage in the hot weather that followed. 

Hi there @Amon Neequaye,All are good choices.

I’m currently been trying to improve my credit due to poor choices in college.

Hence the reason why I thought hard money would be required during the seasoning period.Also I think we are heading into a correction for some areas of the country which means you could loose some of the value and eroding the 25-30% discount it took so much effort to find.For now I think the smart money is to buy with rehab in mind and only take deals that can also buffer for possible interest rate increases and some market softening.

Though as an avid mountain biker, I should have made a better choice than living in the flats of the delta!! 

What are you invest in a syndication or fund, which would be my first choice, or go to this alone, I recommend you partner with others since this is a huge effort to undertake on your own.