I actually lived in this multi unit property when I first bought it. My wife and I were newly married and buying a multi unit property qualified us for a 3.5% down payment which was much more management than >=10%. Also, I live in a rural part of America where property values are relatively stable because there's so much room to build. There are ample new homes available and new homes cost about $100 per sq ft. Existing homes are unable to rise above this except for extreme circumstances.