Use an LLC approach, no more than 2 money guys with you, work out the security in the operating agreement put the property in the LLC.After a few loans or disbursements using your home, you'll put them in a lender position on a consumer loan, not the way to go at all.Doing each property is fine too and the simplest IMO.

Promise I am not a guru but most likely the simplest person on this site.

A 13 does change that but now you've thrown yet another ingredient in the soup from your original post.

Simplest would be to just replace with updated railing.

That would be the simplest IMO.

Perhaps because I run a small operation, I find the simplest solution is often the best.

The reason for 10+ years of equity is because the secret ingredient to high equity deals is TIME of ownership, which builds up property value while giving time for mtg pay down.

But, before doing so, ensure that you have the ingredients to be successful and it begins with getting REI educated.Don't get bogged down with analysis paralysis.

I have looked at many versions on personality profiling and I used to teach it myself (hence the 4 types on my version) There are many more thorough profiling systems like Myers-Brigs system, or DISC method, but most of them require a quiz or survey to determine personality types.The color method, I have found is the simplest and most user friendly system out there to determine personality types from actual interaction.I can usually determine whether a person is an open or closed personality within the first 30 seconds to min of meeting someone, then can further determine which personality with just a few keys.  

@JEREMY COHENI know it may sound a little to simple but what @Chris Piperis telling you is the simplest way.