For example: if roommate 1 has their boyfriend over an he stumbles and knocks over roommates 2's guest.

@Jonathan Ng, it seems like you're putting the cart before the horse here.

@Jonathan Ng FHA loans are great because the down payment is 3.5% however it is only up to 4 units.

@Kendric Ng I would call around to well known LOCAL banks and take their investment bankers to lunch or coffee and explain your goals and get their product offerings.

@Angelina Ng We've started in Feb 2019 and have grown since then. 

-Most landlords usually charge a flat monthly fee for water when it is not sub-metered @Angelina Ng

an damaged microwave , it smoked from overdraw with running 2 freezers off a unauthorised surge strip outlet on 15 amp an extreme overloads with 6 strip outlets an wires running out door [ many major  fire codes violations] Can the cost on electrician ,that proved the circuits were overloaded   - [an he warned her on nec an fire  codes  an dangers of her overloading outlets, an  the wires going out front door]    on that 15 amp she illegally ran a strip outlet w freezers  an other circuit w 15 plugs on 1 -- be deducted along with the microwave replacement cost since it popped an smoked kicking breaker by her unauthorised freezers?

Thanks Michael, There is definitely a lot of work to be done:- Paint is pealing off all the walls- New appliances for 3/4 units- All units are required by the TWP to be connected to sewer now- Bathroom rehab for 3/4 units- Above ground oil takes removed and boilers replaced or retrofitted for NG (This is more a nice to have)I asked the owner if he would be willing to do owner financing and he said no...

- Benson Ng

You will own a property that has these risks and 100 more:car falls on leg of customer and he is young and incapacitated and sues you tootenant pours poisonous degreaser into public plumbing an it leaks 200 feet to neighbor properties, they sue yourobbery happens and child is trapped in the bay and survives, the parents sue youteen comes in with their helper dog who bites clients, they sue youfireman falls through the roof in a fire (chemical fire) and is disabled because the roof wasn't to code...Although you are only the landlord you have duties to health and safety of the employees, clients who walk in, and the community.Look up: Ng to the Ghost Ship landlord in East Oakland