I don't care if you paid Comcast late or have a Medical charge-off of $50 but I do care about Housing Court.

Fannie Mae is apparently exempt from paying transfer tax.

We are looking for a property up to $ 6 million in sale price with multiple tenants or a medical clinics or dental offices with multiple tenants.

I think the aspect of being exempt from the normal discrimination laws can mitigate the tenant issue to a large extent. 

However, you should consider "delayed financing exemption".  

And, if the house is a rental, you lose your homestead exemption, which caps the property tax increases from year to year.On top of that, I hear (but do not know) that rental prices are not keeping pace with rising property values.Having said that, I'm sure there are some decent deals in less desirable areas.

I come from the medical sales industry.

Financing provided that is unsecured has issues as the financing may not fall under exemptions with regulations.  

So when you sell a duplex or other property with apparent segregation, you will get the Capital Gains Tax Exemption on half the property, while the capital gains on the other half will be added to your taxable income.So assuming a 650k sales price, you get a total capital gain of $265k, half of which (132.5k) will be exempt because you qualify for both the ownership and use clauses for half the property.  

Don't know what you found on the internet, if you were on the note and in title most likely you're responsible, jointly and severally and then minimum time is 3 years, that is after reestablishing good credit in housing as well as all other debts and the cause being beyond your control, like medical bills and then bankruptcy. 7 years is the drop off point, someone who was just negligent will be waiting 7 years.