But I think it has more to do with how different individuals handle what is technically an invasion of their space and privacy.

I have a lengthy Legal Opinion, from my seasoned Legal Team regarding this matter.There are several important factors, when thinking about proposing Seller Financing.

I think that helped.

We wouldn't plan to sell the property anytime soon so I would think we could avoid the capital gains with it becoming our primary residence.Can you please elaborate on the partner idea? 

They think it's unfair because they only shower once a week but can hear the upstairs neighbor showering twice daily.

Unfortunately, I think you should eat the cost on this.If you have a door that can lock, you should provide the key.

But, I also think the access to information today: all the books, these forums, conferences, gurus on social media...  

I think it's worth trying.

I think a community bank would be much more apt to put a deal together for you than a big national or regional bank like Huntington.

If you are trying to get a cash out refi, I would think the bank would want to see the correct type of insurance for the business you are running.