On a low end that would put me at $1500 left over after all expenses.Notably, my long-term goal is to continue buying 3-4 unit multi’s and these retirement style commercial buildings.

I know a lot of people think the term "modular" is interchangeable with manufactured or mobile, but not here in the N/E.

I’m not sure if you mean timeline long term or hours a day I’m available.

Thanks in advance.Buyer 1 is offering:$130K Purchase Price10% down payment10 year term, 30 year amortization, and 5% interest Buyer 2 is offering the following options: $135K5% down payment20 year term, 30 year amortization, 5% interest$135K3% down payment15 year term, 30 year amortization, 5% interest$141.7K0% down payment (rolled over into purchase price)15 year term, 30 year amortization, 5% interest

Strategic geographical positioning near major Midwest cities further amplifies Toledo's appeal, offering investors significant ROI potential through both immediate flips and long-term rental strategies.

This would be my first multifamily deal so I was curious how much I would need to put down and what kind of rate/terms I could expect?

In order to determine NOI, do I include only annual repair and maintenance expenses or also a budget for long-term capital expenditures (roof, heating, etc)?

Sprinkler systems are a pain to deal with, in terms of maintenance (inspections etc) and risk of flooding during winter freezes and tenants accidentally triggering them.

Personally, I'd recommend multiple properties, but that all depends on your long term goals.

My long term goal at the end of my investment journey is to enjoy the journey, play the long game, and  have enough income from my investments that keeps my family well and financially independent.