i do not however use it for heat mine is an AC only unit I believe not a heat pump unit.If you're whole unit is relying on one mini split for ac and heat that surprises me just given if you shut a bedroom door you'd not have heat from the split that I assume is in the living room. 

Not sure if this will go against the culture here but if I read correctly and you are considering tying up your primary residence to an investment property please reconsider leveraging the home your family lives in. 

You will need to provide an explanation of the circumstances surrounding the BK every time you apply for credit, apply for a job, apply for a bank account, etc.Bottom line is if you’re working day labor type jobs for small companies and live on a cash basis it might not affect anything.  

That was short lived!

I have about 8K to start investing, which I know is not a lot, but with 3 kids living in SoCal, we are already pinching pennies. 

I live in Lanham, I am new to Real Estate Investing and looking to connect with local investor.

Where do you live?

The buyers and renters in that area, due to the low income, won't have any other options in terms of where they can live.  

Living trust does nothing for anonymity.

But these two live and work it and dont sell e ducation.