I’ve been seeing more multifamily sellers willing to carry back 70–80% of the purchase price lately.

And the note about “attic and basement stuff” — wow, that’s exactly the kind of small headache that could become a big problem when you’re managing from afar.You’re right, the $80K–$125K range does seem to carry more risk, especially trying to make a BRRRR work remotely.

It’s the #1 reason investors shy away from MTR.But here’s the thing: that risk can be managed.

Becoming very crucial to find your own deals right now and carrying high risk on the sell side.

YOU DO NOT NEED TO CARRY A BALANCE.One other issue to be aware of that greatly affects your scores - most modesl monitor:1) How much of each card's limit you are using2) How much of all combined limits you are usingThe higher your limits on both, the higher risk of you defaulting and the lower your score.RENTALSYou obviously bought Class C properties and were unprepared to deal with corresponding Class C tenants.Recommend you restart with ONE Class B rental this time and HouseHack - live in one bedroom and rent out the other bedrooms.

If you raise rents significantly, you risk vacancies and make-ready costs.Condition of Property – At $60–70k for 4 units, the building may need deferred maintenance.

Keep doing this tax free.Your military time carries to civil service so you get a second retirement.Not counting your military retirement and benefits you will be far past any guru or other training.Plus your risk adjusted return is far past other investors.  

Consider including financing costs, carrying costs like taxes and insurance, selling expenses, and the projected timeline to calculate annualized returns. 

IANAL but to require a tenant to carry would likely expose you to some levels of liability. 

If the property has recently been renovated I would definitely buy occupied because it reduces your risk and increases your cash flow right out of the gate.