Obviously I don't want to over-leverage but I'm still trying to find the right vehicle: 2-3 more SFH?

A savvy investor will impute a negative inference to the fact that Spark is unlicensed, cannot legally make investment recommendations and owe you no sort of duty (fiduciary or otherwise) to put your financial interest ahead of their own. 

Similar to a 'high gross weight' vehicle deduction.

I come up with another vehicle to fund the 25% that I would still owe grandma.

She spent a lot of money to buy this house and you aren't taking care of it or using it to get ahead.

Speaking on the announcement, VP Harris said, “Medical debt makes it more difficult for millions of Americans to apply for a car loan, a home loan or a small-business loan, all of which makes it more difficult to just get by, much less get ahead,” Vice President Harris said on a call with reporters.

So, that anyone can read and understand them ahead of time. 

As we renovated the property, added perimeter parking for cars/boats/RV and commercial vehicles and filled up the office bldg the cash flow was over $50K/month.

Thank you ahead of time for taking the time to post your thoughts on the following inquiry.

I believe setting the precedent upfront solves what could be serious issues before they even apply by giving them a rundown on some of the big key aspects of what the process looks like a head of time.Big indicators are verification of identity and verifying the references for documents when needed.