Is it a “bad” decision to put 20% down on this multiplex, likely have most of the mortgage covered by the rental income while continuing to pay rent at my current apartment? 

You won't cash flow in most places while you're house hacking but the goal should be to pay less than you would renting. 

I would pay the 2500 but I dont trust the seller to get the place to pass.

I also had non-paying tenants that owed me, HVAC unit needing replacement, large trees hanging over property structure that suddenly died due to beatle infestation and college tuition due all at the same time.  

My cash in was 10% of the purchase price plus paying upfront for the appraisal ($660).

Hi bought ten lots of land in Sebring Florida its R# zoned paying for upfront construction cost need help with getting a mortgage once its built so I can continual to build on  the rest of the lots going to be about 18 homes made of containers I have 3 other investors working with me.

He would pay my mortgage payment and assume all responsibility for home maintenance until such time as he can qualify for financing. 

Why would a borrower go to a retail bank and pay a premium rate when they can go to a mortgage broker that’s tied to wholesale lenders exclusively and save money on closing costs and interest rates? 

Ideally, you get them to pay you directly for the cost. 

More importantly, there no great bargains there…people are paying at or close to market value.