If you said you plan to occupy this property for the next 5-10 years, then I would say put the larger down payment.

I’m looking now to get into larger units on my own w/o partners but I feel thst this is not the right time to acquire these kind of units right now.

Do one larger deal? 

Do you recommend a few small deals or a larger one? 

I am clearly concerned with inadvertently committing any type of mortgage fraud, but also don't want an empty unit that can be generating cash flow for me when I am away.2: Would it be wiser to get a few fix and flips under my belt via HML/Private Lenders to build liquid funds and then use that to start investing in multi-family rentals via Brrrr3: Lastly, do many of you use HML for your initial purchase of a Brrrr property?

Sometimes, it is better to hit the tenants with a large rent increase and let them move if they want because then you rent the apartment for the very maximum.

Also, most title companies (in larger counties) will e-file...especially if they're on the hook for the gap period.

Sell the property with 1031 exchange into a larger fha househack (May be hard because my income is fairly low)3.

Smaller banks, larger banks, local credit unions.

I’d like to go bigger but for now I’m staying focused on my area which doesn’t have too many properties larger than an occasional 5 unit.