@Yi Chu,The key here is that it is not "you" who is investing in the multifamily deal but rather a Roth IRA; therefore, you can not claim any tax benefits personally.

You are going to 3x your interest rate so more than likely your payment will go up so what you have right now is probably the most affordable and any more borrowing will just increase your payment.

Meaning it’s not some crazy algorithm but it is super telling.  

I hate when my PM sends somebody out to fix a toilet that needs a $0.75 gasket and they lie to you and charge you for a new toilet for $400.

My partner has a stable full-time job, but his photography business is not as steady as he'd like.We're interested in purchasing a multifamily property in either Baltimore, MD, or Hagerstown, MD, to kickstart our real estate journey.

In our experience, the #1 mistake owners make when selecting a Property Management Company (PMC) is ASSUMING instead of CONFIRMING.It's often a case of not doing enough research, as they don't know what they don't know!

It’s been an incredible journey of self-managing the property—living in one of the units for three years and gradually renovating three out of four as tenants turned over.

I can get coverage through Texas Windstorm Insurance Association (TWIA), but they would not insure without a new roof that meets their standards.

Quote from @Jarred Adams: Let them figure it out. 

Will need more details to be sure, but we should be able to get around it.We can also work with the rural piece :-)Cheers!