Just keeping the lower with existing debt in place -- $390k on a $1M+ unit, gives us a good chunk of equity we can then pull out to make improvements, increase the unit's value, and add income-producing-ADUs.

If you sell a certain amount with Keller Williams they stop taking commission on your sales so if you become a high level producer you start being able to keep a higher percentage of your overall commissions every time you sell more.If all you want is to be able to buy / sell real estate and save on commissions then you probably want to find a brokerage that has a flat fee per closing as a brokerage fee instead of a %.

I expect that this online service would likely fall outside of those lenders' approved lists, at least for now.Also, this approach would produce a different physical end product than the traditional signature, stamp, and ID checking process.  

Am I barking up a wrong tree considering most of these properties would be producing net income for most of the owners?

Does the following scenario make sense:Income-producing multifamily appraised at $100,000Seller willing to set up financing with the buyer for $20,000Having the RIGHT bank financing 80% or less of appraised value or approx. $80,000Will a bank require or want buyer's cash in the deal?

Telling potential tenants likely will produce the best long term results.  

I have a small amount of experience with REI from my past and my goals are, to put it plainly, to grow my portfolio in a stable and secure way, and, of course, to raise the dollar amounts that return to my bank account every month.Back in 2009 I owned a decently successful produce distribution firm that I used some capital from to buy my first property with the plan of flipping it.

We purchased five within the first year, and I'm pleased to say that all are producing positive cash flow.

Meaning how exactly you are credited for the solar you produce will depend on the local utilities net metering policies.  

I can produce those documents within 48 hours, so it gives them more and more confidence when working with me