When tenants move and I return security deposits, should I divide the deposit equally among the tenants and write a check to each tenant and give an equal amount?

With all that this property still produced an 89% cash on cash return.

As a lender one of the biggest mistakes I see on a weekly basis from my investors are tax returns that are simply to aggressive.

Investing in Multi family will be a pretty similar experience to your other rentals just with a larger focus on return when you're purchasing, I wish you the best of luck.

The Cash on Cash Return number comes out 15.1% (with 25% down including closing costs), thoughts on this?

The ones I've seen are giving the lowest returns compared to single family.How many units are you looking to buy?

I know a group that I spoke with won't invest in a deal unless it can return at least 8% CoC return to investors based on in place numbers. 

Compare that to the return that you would see if you invested. 

That officer did mention that "if we had an asset-based loan program, you would qualify, but we don't offer that".The only income on my tax returns for 2017 was the rental income, which started in summer 2017. 

Familly and friends can use their SDIRA, 401k or pension and make good returns while they are funding your projects.