We are renegotiating a lease with a Subway Restaurant Business and I was curious if there are any publications that discuss rent to gross sales percentages. 

And any loans need to be non-recourse. 

I am not aware of any lenders doing any 20% down payment options for non owner occupied quads.

I’m sure it’s public information.

If using a lender this is a non issue.

That said, there isn't a TON of inventory and most of what is available is typically in the 8-12 unit range in a higher risk area.As for neighborhoods, I'd prefer not to post too much publicly as the area is rather geographically large and it's hard to get to specific.

Sometimes you can also pay less down payment going through a hard money lender than a bank.Of course, all of this is assuming it's a non-owned occupied investment property. 

Non military borrowers who need to move for a job also get relief from the one year occupancy requirement.

This is why when I was looking for a multi I eventually purchased in a non-rent controlled area.

I just bought a non-performing 2nd note on a home where the 1st note is current, but I just found out the house is under contract and listed for 189K.1st note balance is 196K.2nd note balance is 51K.Market Value is 232K, but it's listed at 189K.To me, the math just doesn't add up.