I work in analytics consulting and have managed my finances and investments well by myself. 401k, investment accounts, high yield savings account, own a house in a nice neighborhood with a traditional 30-yr mortgage, etc. 

What often happens in more of a "I have a client that would be willing to sell at ____ terms/price but he doesn't want to formally list the property, does anyone have a buyer for something like this?"

Provided your Sub2 purchase closing is done complete with all the necessary paperwork (e.g. limited power-of-attorney between the sellers and you), refinancing should be no different than a normal refinance.Sub2 can be heaven or hell, depending on the quality of your closing paperwork.

The submeter is accurate and tracks usage of anything powered on in the unit. 

This is why starting a business with "no money, credit, or business experience/savvy whatsoever" is a (I really really want to use some foul language here) joke. 

Never under estimate the power of good old fashioned fun in real estate.I have a couple questions/ideas for you. 

If you don't have water, sewer, and power at the property already, it will substantially limit how many units you could feasibility build even if 100% of the land was otherwise usable.

If you start pooling money from people who are not full partners (i.e. have decision making power), you will start to cross into the territory of securities, in which you will be subject to SEC rules.

One other tip is to let your listings expire and re-list that makes them not appear as 'aged and stale' - power users will check history and notice but you may get the attention of some and those that have recently setup alerts.  

Is AI going to be your QI???