Multifamily is definitely the way to go but you need to educate yourself on the space.Single family is a much slower way to scale and carries a lot of risk as one bad tenant or capital expense can wipe out the cashflow and put you in the red fast.Commercial and multifamily will typically require 30%-35% down depending on the lender and the property.

Problem I have is how do I get that money into the bank without raising red flags?

The Utah market is red hot for starting homes/rentals but your comments have built my confidence in the STR market too.  

Most of the people I saw said that it is better to continue the pitched roof with smaller pitch (see in red).

Or, I could say, have chosen to look at the sky and declare it is red, or describe the sun as cold.I suggest you read part C again, paying particular attention to what subparts 1, 2 and 3 are actually saying, not what you hope they are saying, and don't forget that you are not allowed to pick and choose which parts of the law you wish to follow, and that all parts work together.If it appears I am annoyed with you it is because I am.

Thanks Shoot me a direct message or email me at my address in my signature.

There are so many other numbers to take into account, and a lot of them are unknown to me at this point.

But if that is in fact the case that really puts me at ease.

The last think you want to do is live in an illegally converted garage, then see the city come in and red tag the unit for no permits. 

My favorites are currently Red Tractor here in foco and High Hops in Windsor.