Or you can market to them saying that you're looking for good homes to buy that match a certain description (insert a description of their house) and give them the grace of pretending like it's divine timing.

There's no way I could qualify for $220,000 right now.

The best times to show units are whenever qualified tenants want to see the units you have for rent.Rental real estate is a very impulse type thing for a tenant. 

If you have minimal or no other debt you should be able to qualify even with a lower income.  

hmm, you're not going to find a qualified tax accountant or attorney to suggest one way or the other, and especially not on a forum.

If commercially zone units don't qualify for conventional loans, the bank financing allows for a higher LTV (75% vs 85%) 20 term and of course the rate jumps a .25 (5.0% vs 5.25%) for the 5 yr balloon - PITI $923 balloon payment.

Mark 4s would move the needle my biggest concern is if rates go up enough to push me cash negative at end of first term (5-7 years).I would like to get 4 unit or more of above average quality and rent price property.I believe on what little research i have done i could make a deal like this happen as far as qualifying for a loan and having down payment.

Ashley, as a Realtor, I'm of course biased towards putting it on the MLS for speed of getting it rented and bringing in a bigger pool of qualified applicants.    

:)Say I'm a couple thousand dollars away from qualifying from a certain deduction or tax credit.

I'm also self employed with a lot of write offs so it becomes a little tricky to get qualified but I have a cosigner if needed.