I would never trade highly destructive tenants for cash flow. 

Then watch the comparable properties and see if they rent quickly (priced too low) or if they sit on the market (priced too high). 

price $124k it’s in a resort, highly sought after especially in summer season.

Several things to contribute here: 1) Private Lenders with no credit experience emerge doing down payment and 100%/High LTV financing at the end of every cycle, 2) they're among the first to loose their shirts in every downturn, 3) although someone termed this type of lending "gator", it's not new, 4) the guy that coined it didn't get into real estate untill well after the last crash, 5) he has no real credit background or experience (he's never been a lender), 6) Google the guy's name and "looses professional license in AZ" to see what pops up, and finally 7) he's really effective at telling people what they want to hear, filling their heads full of hopes and dreams, getting them to buy his training, and his minios generally won't want to hear what a real, seasoned lending vet will try to tell them.

Definitely looking to stay away from the war zone and above the 40. 

Seems like I am having a problem because I'm a recent high school graduate  Please advise how to buy a multifamily home under these circumstances. 

I definitely think we can find something here that will fit what you are looking for!

(The fact that they have the nerve to call it a "High Yield Savings Account" is almost insulting! 

STR's require a lot more work though - its definitely not passive.

And it is only 1500 sqft for both units, so rent will be limited based on the small size and you still have to maintain kitchens and bathrooms for two units, which means high maintenance cost to rent ratio.