If you want to LIVE in one of the units, You can get out the Tenant that pays $800 a month rent, Live in that unit and still make rent from 3 units,$59,748 a Year Rental income. Can use a VA loan or FHA loan and you make cash flow to pay your loan off and maybe still make some positive cash flow from your 4 unit property, as you live in one of the units. Or leave it as is: HIGH CASH FLOW, at a 9.9% GROSS Rent Income for the Price. $69,348 PER YEAR rental income for a $700,000 property that is a 7.51 CAP RATE. PLUS there still upside as one of the 2br are at $800 a month vs $1600. If you want to make a good return on your cash, then this property is for you. Very few properties out there making this high of a return.