I tried to raise money this last week on a larger deal and one piece of feedback I got was your second point.

Do most people with larger rental portfolios use commercial loans in an LLC ?

(Although I think if tenants offer larger deposits, it is ok.)

(age and condition are location specific--ask lenders about this).You SHOULD also have CAPEX CASH available, and Operating Reserves CASH available for use when needed--lacking this may make lenders balk, and if it doesn't you are operating in a risky manner, meaning risk of being foreclosed upon if you can't pay the lender due to not enough income.If you are talking 2 to 4 unit Multi family and are willing to live in one of the units, there are 2.5% down loans available to do this, but if you don't live there then you are back at the 20%.Larger multi-family deals.

Heck, there is so much overloaded information out there tenants might just like a letter from their landlord reviewing their options for energy assistance, credit card assistance, etc.  

They are working on a compromise now.Also, note that Dominion (gas) and First Energy (electric), have suspended utility shut-offs during the COVID19 crisis; And you can be sure that we need your payment more than they do ;)If you are out of work, you can apply for rent assistance from the Catholic Charities DIocese of Cleveland (CCDOC) ###-###-####.

And then when we return to the mainland we'll have a larger fund for a down payment and some great life experiences!

I've been on the kitchener website at length and while I've found a ton of information on duplex conversions nothing seems to speak specifically to a triplex or larger.

It was a small two bedroom single family home, which we converted into a one bedroom to open up a larger space for the living room.

I'm actively looking for larger multifamily from Pensacola to Panama City.