We purchased a 4-unit in the Lakeview/Lower West Side area last July and moved into the one vacant apartment while retaining the tenants in the other 3 units.

Your rents may be higher or lower than surrounding units, which should tell you something.  

A substantially lower entry point compared to buying a property and you'll get hands on experience in evaluating properties. 

Maybe next week I'll put in a lower offer if they haven't sold.

On the flip side, we got some lower offers from investors who were just not savvy enough to see to potential in the property, or did not know how to properly recognize/analyze a deal when they saw it.  

(at a way way lower scale)... but i got put off by construction prices here...

I'm thinking I should create a C Corporation instead of an LLC, since the corporate tax rate was lowered to a flat 21 percent rate this year since the passage  of the Tax Cuts and Jobs Act on December 20, 2017 to avoid paying UBIT tax.

With an already low credit score, the chance of being approved for another credit card is pretty slim and the hard inquiry will lower your score even more, although probably temporarily.  

Eventually the seller will consider a lower offer of someone else will pay the sellers price.

Does anyone have recommendations for banks with a lower rate.