Even if all expenses and debt service cost 60%, you'd still have a 10% Cash on Cash return.

Calculate your NOI and then take out capital expenses and debt service fee to calculate your cash on cash return.

They can afford a monthly payment and want to own a home not rent.  

Check out the Marketplace for ads about lender's products and services.  

I recommend S&S Property Services (443)3407310

If you can afford 4plexes, and your demographic is high quality, go for that.  

Dual income middle class families can afford quite nice rentals.  

If you do this, the bank will be looking at the asset, whether it is performing, cash reserves, cash flow, equity, debt servicing, etc.  

I have made some research and find that in the area there is a very high demands of service offices and only a little supply.So the idea i got with this large office space is to make some divisions and rent small offices with minimum 6 months lease terms. 

When I have a large portfolio or if I am not local, I will hire a PM but it seems silly to pay for a service I can supply to myself even if it is a little bit of a hassle.