We don't allow our tenants to mess with the HVAC and we replace the filters on schedule because tenants rarely do what is required to keep the furnace functioning properly.

Older homes in our area often have a functioning forced air furnace with ducts for all 1st floor rooms but gravity registers (basically holes-with-grills through the 1st fl ceiling/2nd fl floor) for the 2nd floor.  

Every hard money lender I have used functioned similarly to a traditional lender in that they want you to get "pre approved".  

I provide affordable, safe, and fully functioning housing, and they give me rent payment in exchange.

My portfolio is too small and the cost in CA too high to justify a LLC, even assuming that it will function to protect me if/when needed.

Its not like I am giving away a fully functioning renovated duplex..

The mortgage debt can be discharged as a function of the plan which means the debtor no longer personally owes on the debt.  

In 1996 at the age of four, my son was diagnosed with a neurological condition referred to as high-functioning autism.

I think your idea of an SFR, functioning as multi-family is a great one.  

It is more expensive then in wall hose/flex duct.Are you considering doing it for aesthetic reasons or for a functional reason like you can't run the duct-work through the ceiling trusses?