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Chances for a 4-flush on flop are about 11% (and 35% chance of it hitting by turn, so 3.8%), chances for 2 pair abour 3, trips 1.5, so 8.3% chance of hitting a hand with this. So I should be getting 11-1.

2 limpers + blinds would make it 7-1, and implied odds could probably make up the rest. That is, hitting my hand and getting 1 player calling down.

But with 1 limper + blinds I'm only getting 5-1 on my complete. That means I would have to make up 3BB without getting out-drawn.

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I think the real problem with completing with this kind of hand (74s) when there is only one limper is that you might have to fold on the flop even if you have a four-flush.

If you have a four-flush on the flop, one guy bets and the other folds you're getting 4:1 which is worse than your immediate odds of drawing another heart (4.22:1). Even if you could call then, on the turn you'd be getting 3.5:1 so you'd have to fold unless you had another piece of the flop.