One of them is on any FHA loan, if a 3 or 4 unit property, it has to meet the Self Sufficiency test.

But you can't use these for properties with more than 4 units and you can't have more than 10 (unless you are married).if you are seeking commercial credit for more than 4 units or because you situation does not permit loans based on debt-to-income, a commercial lender will be able to tell you if you have sufficient assets and relevant experience for them to consider you for a commercial loan.

If you have sufficient cashflow on your end then make interest payments and keep the performance risk of the investment in house to keep your funding less expensive.

This is a rather interesting discussion.As a new Investor myself I totally agree that it would make a lot of sense to keep existing Rental property which is not only providing cash flow now but also building wealth, unless it has several deferred maintenance that you're trying to avoid.Based on the Op's disclosure it seems there isn't sufficient money for down payment, would there be even any for closing costs?

Gotta be able to close.One month of a full time w2 job might be sufficient for conventional terms.

If you have sufficient reserves to weather any storm, you should be good.

If I ever have a repair before there are sufficient funds in a particular account, #1 my largest PM will take care of it with their 1-year warranty or 2) I will take it from the operating checking account where all the free cash flow sits (until I have enough to eventually start buying additional properties with it).  

Borrowing on these types of property is a little tricky and you need to make sure you’re working with a lender who has done so before.FHAIn order for a bank to lend on a 3-4 unit property, the property must pass what is called the “self sufficiency test.”

I always recommend 1 million but 500k is probably sufficient.

In my opinion, it's the borrower's job to ensure there are sufficient funds in the account and it's the servicer's responsibility to make sure they pull the funds timely and accurately.