I actually started as a temp!

Not promised or planned, actually funded. 

Pricing higher than a bank ( if you can actually get a bank to lend you money in the first place)2.

You already live on the property and would be adding three more unrelated people, which is not allowed.Here's a link to the actual code:https://online.encodeplus.com/regs/orem-ut/doc-view.aspx?

In your situation there is actually another factor that may work in your favor.Only the proceeds allocated to the sale of the building can be used in a 1031exchange. 

I actually have three couples sharing rooms that have their own private bathrooms.

I actually have a wholesale oppurtunity on a multi-family Four-plex that I just promoted on the "Real Estate Classified" section of the Bigger Pockets website!

I need to do some research on what credit score I need to actually begin this process 

Pretty easy actually, especially with a tractor with forks bolted to the front end loader.

The problem is, none of it is based on actual comps, and again, the word "cute" doesn't have anything to do with setting those numners.What you need to do is a full analysis of the comps for both rent and sold in your area.