The debate between the 4 Plex or single-family homes if you match for single-family homes against one 4 Plex I don’t see any difference except that the single-family homes I probably have two extra roofs to consider in my set asides.

(Unless covid comes and lenders tighten their policies or the government adds an extra fee, etc)3) Yes you can refinance twice.

Also sent extra traps.

If your goal is to pursue a non-real estate related career and just buy a few properties for some extra income/investments then you'd probably be fine by reading a couple BiggerPockets books and listening to the podcast.

If their credit didn't meet your standard, why did you rent to them, because of the extra money?

Make sure the possible gain is large enough to cover the extra costs. 

Otherwise I'd say to set it for a 30 year schedule and pay extra at your leisure if you insist on paying it down! 

I’ll just work extra hard on selling more houses and use that capital!

All you'll have to do then is find the buyer, collect the money, and pay off the home's release price (hopefully with a little extra!)

@Chelsea Pfeiffer - Kudos to you for seeing the opportunity at your job and working the extra hours.