I have access to the MLS to see listings right away and can accurately run comparatives and look at all data myself. 

To compare pros and cons can get you to good solution. 

FHA Pros:-Friendly to lower credit scores (580-680)-Can buy multi-family with the same 3.5% down payment-DTI up to 55% (vs 45-50% for conventional) FHA Cons:-More difficult property/appraisal requirements-Frowned upon by agents, so the offer is weaker compared to conventional-LOTS of additional back-end stuff that makes a lenders job more difficult -If you're in a community property state, you have to include spousal debts even if they're not on the loan-Permanent mortgage insurance (but if you put 10% down, it'll go away after 11 years) -Fixed mortgage insurance (0.85%).

Stop comparing it to other states, lets keep it all about Cali. 

Don’t compare small MF values with SFH.

Rates for those types of loans programs should be a little more comparable to conventional. 

@Xiaowei LiAgree with @Jaron Walling, I invested in both, and I had better outcomes with small multi's compared to condos. 

She is frustrated that we went with another contractor and we actually over paid her compared to our contract.

I now think of a % figure as a good way to compare deals, but not a good way to evaluate individual deals.I'm looking for rough estimations through this form to hopefully crowdsource reasonable estimates for an average 2 - 4 unit multifamily in Ohio.

I'm trying to compare whether to use a conventional or 203k loan.