. $80-120k is a wide range.

So your range would be covered but not their couch. 

In other counties they are bidding the interest rate down to the 2-3% range.

by virtue of inventory properties in the range you are looking make up about 2% of all MF structures built...you're looking for a needle in a haystack...You can buy an 8-unit in my city for $1.6m and a 16-unit for $600,000...what are some of the other criteria you are focused on...unit count really isn't that important

And as @Jaron Walling mentioned, if it was a rental or a flip would make a big difference, as well as the price range.

It can be tough to come by houses in that price range nowadays.

There is a good amount of diversity and home prices are reasonable with a range of different neighborhood types.  

Maybe as a sidenote the minimum debt/equity ratio also varies widely from country to country.

Make sure to shop around; I had HELOC offers that ranged from 70% loan-to-value to 90% loan-to-value.Didn't mean to write a novel; hope this explains things.  

When it comes to finding a roommate, you effectively have a lot of free range in selecting the right person.