Lenders will get more creative for larger loans, but for smaller loans such as this, things need to fit in the box more so or it's not worth their time and brain power to figure it out.

What would each unit be worth individually across the 4 plex?

I would be more comfortable financing 100% of a $100k property worth $200k than 80% of a $190k property worth $200k.

If the house is worth enough, someone bids and wins, you get paid off and again, I lived there for free.

I recently finished Gallinellis book and I'm hoping to hear that a year later you still feel that you got your money worth!

I need the appraisal to come in at a certain number or it won't be worth it for me to do it right now. 

Our Long Branch property has a high ROI, and also has been challenging at times, but still worth it.

Even if it appreciates down the line, you will have to factor in capital gains tax to see if it’s really worth it.  

@Doug HaistenNot much you can do with a property that is worth 79, has a mortgage on it for 85 and needs 10K to bring up to speed.Wait for the bank to foreclose and hopefully you'll be able to wholesale it for 30.  

What is the home worth as is?