I noticed that Oregon is kind of difficult to find properties right now in terms of multifamily as well especially with some of them being occupied with tenants as well.

Consequently, sellers often overestimate their property's value, failing to recognize its actual performance.Moreover, if the property requires significant repairs such as foundation work or a new roof, it may not qualify for long-term financing.

Long term your numbers will look much better.

IMO, it is easier if the gap lender is private money because you can negotiate more favorable terms.

Nowhere is it more evident than in the long-term holding of real estate.

The issue is in the short term it takes sacrifice to yield long term gain.  

That can lead to odd quirks, sometimes good deals, and sometimes long and arduous processes, it just all depends.I will share a story - one Credit Union was offering such attractive HELOC terms that Auto Dealerships caught on to it.

The answer probably depends on your long-term goal and how long the long-term means for you.You are correct that if you put 30% down on three properties, you will then have to wait until you accumulate enough cash via appreciation, cash flow, and savings in order to buy the next property. if you execute a brrrr, you would be able to keep going. 

My goal is to build a portfolio to hold and maintain for the long-term.

Prepayment penalties- usually 1-5 year terms.