I personally feel that it is a liability people could use as an excuse for an accident they have if they are drunk.

Could they hold liability, sure, but so do you.... 

I would need to learn more about my options though as my experience is limited to podcasts and a few articles on that subject. 

This limits your refi options when you take your scores down under 660. 

You could live in one unit and rent out the others to offset your mortgage, staying within your $4,500/month affordability limit.

Many banks limit personal loan amounts.

@Gustavo Delgado I've looked at stocks, bonds, REITS, limited partnerships, and syndications, and have invested in all of them.

Land leases often complicate financing, limiting your buyer pool, especially if lease terms are unfavorable or the remaining lease duration is short.

The influx of tech jobs, manufacturing, mining, and Californians there is a strong population and combined with limited to no multifamily new construction we expect a severe housing shortage.

Although Philadelphia is only requiring you to get General Liabilty, I think you have a bigger exposure to Professional Liability (E&O) insurance.