Seems like that commenter missed the fact that you're talking about Multifamily or is confused about the SBA program - it is only for Owner-Occupied Commercial (like a retail store buying out their own building).Fannie/Freddie could be a fit if you have the right net worth, liquidity, and credit, but as mentioned upline already neither agency likes an out-of-state buyer who doesn't have direct experience/ties to the market they are acquiring in, so likely not an option for commercial loan #1.

Prospective tenants can complete my online app which then directly populates RM so all of their info is captured.

@Chris Seveney, I'm not doing directly from the 401k.

The owners always (in my experience) pay the agent directly.

I'll start with a few, in the Pa market where we are currently flipping, we use, the MLS, auction websites, and a wholesaler.In NY where we sell real estate we use direct mail, other realtors, and networking.

This prevents any accusations of me stealing money from a tenant or messing up their payment schedule.You could give your tenants a deposit slip and they can set up direct deposit or deposit the payment manually at your bank.  

Ray,If and only if the property cashflows, then approach the owner directly and tell them what you want to do.It will either fly or not.

In fact travelling escrow will come to you direct.

I have not done divorces directly but have plenty of experience with the effects of divorce on real estate holdings and obligations. 

If you subcontract direct, you are much lower on the priority scale of getting the work completed.