Hello,We were considering buying MF unit <4plex ideally > and were considering Arizona or Nevada as potential options.

My local bank quoted 75/80% LTV for 20y at upper 8%  Other options and terms? 

Surprised to find out that my area qualifies for a USADA loan -- a lot of benefits it almost seems too good to be true. 100 % financing and in Turner's book he said that it was an option -- but unsure if you can rent other rooms in a single family house (didn't get the impression you couldnt in Turner's book) but the USADA site says you cant rent out a rooms under a USADA loan "right away" -- whats the legal rule?  

CCIM and SIOR are good options, but they require a level of portfolio requirements to receive the designations that you won't have until you get immersed in the business yourself.Ultimately, what you need more than knowledge to succeed in this this business, is the willingness to have hundreds of conversations weekly with people you don't already know, and to do that every week for the rest of your career.

The other option was to partner with a builder on a new construction home.

As Sasha said, it's only an option if your child is disabled.

I would love to connect to talk through some options for this client and others. 

Getting a STR right outside city limits will probably continue to be an option for the foreseeable future.

They will automatically receive their signed copy once they complete.Another option is to hire a property manager who can handle the under writing of the lease and addendum.

I also have a partner with a full time job and great credit score as well, so maybe my best option would be to include him and have him apply for the mortgage.