I have a spreadsheet that will list a couple things, and I want to vary it up to see what combination will produce the most optimal results.

These areas WILL produce a "deal" - - but what is the bigger picture. 

As I often say, a bad sponsor can ruin a great real estate deal, and a great sponsor can produce the best possible outcome when faced with adversity. 

@deonte singleton, if you want cash flow, sounds like best route would be seller backed financing....on cash flow producing properties.You will need to bring something to the table, Perhaps get a partner in that instance..

Just keeping the lower with existing debt in place -- $390k on a $1M+ unit, gives us a good chunk of equity we can then pull out to make improvements, increase the unit's value, and add income-producing-ADUs.

If you sell a certain amount with Keller Williams they stop taking commission on your sales so if you become a high level producer you start being able to keep a higher percentage of your overall commissions every time you sell more.If all you want is to be able to buy / sell real estate and save on commissions then you probably want to find a brokerage that has a flat fee per closing as a brokerage fee instead of a %.

I expect that this online service would likely fall outside of those lenders' approved lists, at least for now.Also, this approach would produce a different physical end product than the traditional signature, stamp, and ID checking process.  

Am I barking up a wrong tree considering most of these properties would be producing net income for most of the owners?

Does the following scenario make sense:Income-producing multifamily appraised at $100,000Seller willing to set up financing with the buyer for $20,000Having the RIGHT bank financing 80% or less of appraised value or approx. $80,000Will a bank require or want buyer's cash in the deal?

Telling potential tenants likely will produce the best long term results.