However, I am coming across some companies that offer some lending structures that are unique at least from my perspective. 

I wish I had offered more as it is now on the market at $5m more than my offer (my offer match the appraised value and was all I could afford at the time - I think they are about $1m over priced, but it is a unique property). 

Or there might be some ways to stretch 3.696 units to 4.

Generally, using leverage to buy anything will increase risk, but RE is pretty unique in that using leverage is standard practice due to it's relative stability.

Also, it'd be nice to spread the risk on twice as many units.OTOH, I don't want to get stretched too thin cash-wise.

The One estate stretches across eight acres on a promontory lot and centers on a 100,000-square-foot palace that looks more like a futuristic spacecraft than a home.

It’s the most unique place I’ve ever lived in.

Hello,I have the opportunity to purchase a unique property, it has a single family house 2/1 to the front of the lot and a separate duplex (1/1 each) to the rear of the lot.Initially I was beaten out of the deal but they then had trouble getting financing due to there being two separate dwellings on the property and I am back in the running. 

Valley is going to be a little more unique because almost everything is on well and septic.You can get a feel for what you can have the tenant pay for by looking at rental ads. typically single-family has them pay all utilities, and duplex-up will be a mix depending on how it's metered.

Had to stretch to the very top of my budget, but it was in turn-key condition and the sellers were very accommodating, so virtually no fixing/cleaning expenses. 25% down, 30 years @ 3.25% interest rate (0.25 point) which is stellar for investment rates.Drove back out 30 days later to sign papers, get the keys and meet with a reputable property manager.