recently purchased a 4plex in HB, Ca.We are on state farm insurance and everything is fine, decided to shop around and noticed that USAA is lower with similar level/amounts.USAA however required that all tenants i forget the exact phrasing but something like "tenants for at least 6months"Now i said that my tenants have been there for over 10 years, and are technically on month to month now.

Otherwise, you can get a conventional loan as low as 3% down, but 5% is easy to get with decent credit.If you are in a position where you won't qualify for FHA or owner occupy, I would recommend looking into private money loans.

Something like this, just off the top of my head....you can probably find some cancellation notices/addendum online.As per the contract dated____, between xxxx and xxx for the property at xxxxxx, I am hereby terminating the contract as per the inspection clause, paragraph xxxxxxx.Both parties hereby agree to terminate the contract, relieving the other party from any further obligation, and the earnest money of $xxxx shall be immediately returned to buyer xxxxx.By:   Buyer xxxxxx____________________________.  

I have hired private investigators as well to find people.

Some things i’ve considered:1) Talking to my co-workers lender to see if they would let me assume the mortgage at minimum fees2) Seller financing if that is possible3) Private money loan for repairs then refinance later 4a) Hard Money loan for repairs then refinance later4b) Hard money loan for purchase+repairs (*only if i could not get a conventional loan on the property ref. the roof repairs) then refinance after establishing new tenant+refinance wait time5) .....Something my mind can’t conceptualize.....

I just heard that starting in 2019, the City of Cudahy is going to require all property owners with a property that has 4 units or more to pay for private trash and recycling pick up.

If the properties are in Los Angeles, Exit all of them immediately and let someone overpay in the current LA market, Then purchase an apartment complex at the Institutional grade that will deliver you a couple of million a year in cash flow.When I worked in Private Equity and a new client showed up with over 20 million worth of debt free real estate spread out over 15 or more properties, It always surprised me that consolidation into one asset never came to mind.   

(My credit rating is 802)3) Is a private lender a good option if the banks refuse me?

I've been finding vacant homes either through probate notices or driving through neighborhoods.

So, like you said, partnering would be one option or getting private lender to cover a downpayment would be another.