Which looks like a water damage. 

However, sometimes you'll need to just cut line and start fresh with another bank like @Will Gaston mentioned. 

Water and sewer are expensive in Portland as well and I pay that as the landlord. 

I would factor in a certain % each month for capital expenditures, such as a new hot water tank, furnace, etc. 

Water heater, roof, HVAC, paint, flooring, siding, windows, etc.

Otherwise, you could look into non-conventional loan options (outside of Fannie/Freddie) that allow for less than 20%, such as local credit unions.As for your numbers, you're missing a few important components; the big items would be maintenance, CapEx, and utilities (water/sewer/trash) for a 4-plex.

This will really only be economical if there is municipal water/sewer right out front the park that you can connect to.

One more I love about CG is that we have separate water meters there ….

I don’t believe you need to allocate more for a STR compared to a LTR, but should consider the life of the property and what expensive items might need to be replaced/age of these items such as the furnace, A/C, roof, water heater etc.

Hi,I have a property in Fulton got water flooded due to storm drain backup.