It has 3 units, an additional dwelling unit in the garden level, and 2 garage parking spaces (which I've come to realize are quite valuable where the property is). 

Additionally, you may wish to speak with a CPA as to whether or not becoming an S Corp is the right decision – they can assist with reducing self-employment taxes.

I’m in the San Diego area and my husband and I are adding 2 additional rental units to our property. 

I suspect it was two or more months on 1 bill in addition to what we pay for common areas.

Any additional advice is helpful.

If you feel ambitious, you could try a BRRR strategy adding additional equity to the subject home and then taking equity out of it to pay off either the HELOC or if you decided to the refinance the primary residence. 

I assume there’s additional language in the PPM, or at least I’d hope, but the language can get very confusing by that point and many LPs don’t understand what they’re reading.

She'll help you arrange where the furniture should go, and links to any additional accents she recommends (rug, curtain, curtain rods, accent tables, etc)

Although he is a banker, he thinks having the ability to operate as a broker and place loans with 30+ other lenders, in addition to his bank, is the "best setup."

I'd greatly appreciate any advice and more than happy to share additional information if needed.