If you are a super conservative person, you don't want to build a large portfolio, and simply want to create a stable stream of income on your 450k, then it might make sense for you to pay cash. 

This may be because the existing bathroom is quite small.My exit strategy is to sell if this rental business is too stressful or doesn't a meaningful income stream to me.

My aim is to build up a passive income stream over the next 5 years.For those of you familiar with Westchester NY, this is an expensive region and makes finding cashflow properties challenging given the high costs.  

If the seller is not willing to sell separately, should I analyze the value of these quads based on income stream since they are being sold together or based on individual market value?

I think I'll be very good at it, and I need to build more income streams because who knows how long I'll be successful in my own companies and want to put my money to work.

Used when buying streams of debt or Notes at discount.One of my favorite present value of money equations and one that got me out of a lot of my OREO was Zero interest financing... 0 interest for 30 months has the same PV as 7 years at 15%...On the topic of how you introduce yourself.. for me..

In commercial there are also large interest only loans in the millions for value add deals.The borrower wants interest only to keep the payment as low as possible while turning around the property.The difference in commercial versus a house flip is stabilizing the apartment building or retail shopping centers income stream.

There are several important aspects of the wealth building formula, but the two most important are (1) expanding your income and your income streams and (2) decreasing expenses.

If your goal is a passive income stream that will get you off and keep you off the daily workout treadmill, then yes.

This way, the seller will get a guaranteed income stream for the rest of their life, and you can get the property without paying a large sum of money upfront.