Unfortunately that still entails going through all theses other so called "deals" to find such "gem" or "diamond" or whatever you want to call this one in a million great deal. 

So the 19 year old pregnant girl is somehow using $550/mo in electricity in a one bedroom unit AND you assert that "someone" went and either hired an electrician or nefariously did so themselves to "move breakers" in an effort to steal electricity?

Can anyone explain how I could have both and what that entails?

Making erroneous declarations about the mechanisms creating the savings, and subsequently what their actual effect is on the savings, is something I would categorize as 'misleading' at best.So, while good on you for saving yourself a healthy chunk of money, don't be surprised when people challenge you on the assertion that it's coming from the tooth fairy leaving it under your pillow.

Residential 1 to 4 units is relying on the borrower for repayment which entails ability to repay (income) and  willingness to repay (credit history).In either of the above there is no specific lender that is "first & foremost above all others" unless you or the financed property don't fit into the conventional "bank quality" type of borrower or property.

depends. this money can be a beginning to a lucrative business or a bad decision. you should look at your exit strategy. those strategies should entail making a profit. that defines your risk. more iffy decisions (speculative) should be more about the money you have saved out of your own pocket. we are waaay more safe about that money. lol. why not refinance and pull the money out. why a heloc??

From a personal experience, I'll add that my preference is to multifamily due the the economy of scale, which basically entails that you can achieve more with the same amount of resources and time by going with multifamily. 

My partner is much more of a high-assertive manager-type and does much better dealing with game-players like you have, and will tell them what's going to happen in no-uncertain terms.  

Ask about what their system entails.

How do I explain that via text simply and assertively?