I am not obliged to go with that specific local bank that the builder is recommending.

I would HIGHLY recommend discussing w/ a RE attorney and getting familiar with the tenant/landlord laws in SF. 

If you don't have a virtual assistant yet, I'd recommend getting one to help with things like tenant communications and coordinating contractors.

Jim Cramer recommends putting 5% into BTC.

I will send you a DM with an attorney I would recommend for Dupage.

My recommendations is to call one of their investor relations specialist and walk through this with them. 

Here are my recommendations:1.

Since yours is only water and heat I would recommend you charge 50% and lower the rent cost rather than factoring it into the rent price.

I would highly recommend learning about notes fromhttp://papersourceonline.com/There is a ton of FREE information, monthly coaching calls, and any training they have is a LOT cheaper than Eddie.

If you're looking to expand your search, I definitely recommend checking out the Columbus OH market as well.