I'm reading your thread and also am looking for a multifamily and would prefer to pay 20% down instead of 25% the lender I am applying with just told me that I have to put down 25% and that it's standard. 

Her mortgage statement is escrowed, this escrow pays the insurance only since she is exempt from paying property taxes.

All the gurus & mentors tell you that you can do real estate with no money or credit, except, of course, for the money you have to pay them to learn plenty you could easily find for free online or just thru the School of Hard Knocks. 

But all else being equal, it increases earlier year distributions, but reduces the sale distribution, since there is now a larger loan to pay off upon sale.  

I would seek and pay more attention to the property itself and making it better, Add value.

Then yesterday she asked if she could pay in two week increments because she might be changing jobs and might move.I should have just said no. 

And she refused to pay the late fees. 

It still pays off when you look hard and do your due diligence.- I'm happy to share my contractor, lender (conventional, construction, or hard money), property manager, etc. contacts if you do choose to continue investing in WA.

There are a few mentions of it on Bigger pocket forums, but I'm still not getting the whole picture.I found a comprehensive course by William Tingle for $297, but I'm leary about paying much for courses anymore since I've fallen into the trap of paying thousands of dollars on courses, seminars, boot camps, coaching, and mentoring.Does anyone know if this course contains quality information and resources on this subject?

You likely would be paying ~2.5 times that rate on a new loan- prop 13 has your tax value as ~$600k versus a value of ~$800k.