Or should I just have them install another meter for the third floor to avoid any potential issues going forward. 

I am drafting the lease and planning to take it with me to closing, where we will be executing the document.

Keep in mind comps can change in the 1-2 years you plan on living there.

With that being said, what do you plan on doing different this year in your business?

that's $100K+ in cash PLUS a solid plan to achieve for that return. 

A good real estate accountant can save you thousands of dollars by leveraging entity selection and formation, tax deductions, cost segregations, bonus depreciation and tax planning.I recommend finding an accountant who specializes in real estate taxation, business taxation, financial planning and tax planning.You may want to consider working with your accountant remotely to expand your options.I would also recommend looking for a accountant willing to work with you throughout the year.

If I were you keeping the property as 4 units and renting out bonus unit under the radar may be your best option especially if you plan to refi or do HELOC while occupying. 

In this manual (which I assume could be modified to provide to tenants) I include all the financing information (which you would not include for tenants) bank accounts, mortgage accounts, payment information, and mortgage payoff), a list of the contractors, what each contractor does, a list of upcoming planned or necessary repairs, and a copy of all leases associated with the property.

I'm planning to review where I stand, considering my current low income, to explore the best path forward.

Hi Jennifer - Am planning to invest in the Cincinnati OH area looking on the east side.