Your question is a little confusing to me: Safety is really not an issue with the safeguards in place with Licensed Reators, Escrow Agents, Title Companies and State and Federal regulations. When you say "Bank Own" do you mean that a Bank owns the property, as in a Forclosure, or did you mean to say "Bank Loan"? If it is Bank Owned it will take a little longer, but your Realtor can guide you through the maze. If you meant "Bank Loan", that would simply mean that you are borrowing part of the money. Again, see a qualified Agent. If the Multi is 5 or more units, you will have to get a commercial loan and procedures are different. Good Luck in either case.