$536,000 sounds low for a 5 family in the Bronx and the rent roll sounds low.

I figured 10% was high but rather figure too high than too low.

@Phillip Dwyer may be able to help but no realtor I know has time to submit a bunch of low ball offers.  

Is this to low?

"Low risk low reward, higher reward means higher risk." 

I have a pretty low turnover on my rentals in California.

Could do it, but would really rather not.Scenario 2Rent current home - Buy new homePurchase price of 400k20k downpayment as opposed to 100k as used above in scenario 1at 3.375% (would this change with such a low downpayment?)

I don't currently own a home but I was considering buying by year-end since rates are still low.

Sometimes you try to get really active but end result is the same because PM is your boots on your ground who you have to place some level of trust.

I am a recent grad about to start my next level of education.