or is it that deals are coming in that hot and heavy, you don't have capital to spare on paying one off

I will read in my spare time.

If you'd like to spare yourself any hassle that i might be, but still want to pass on your legacy of DIY investment knowledge, I'd be willing to pay $50 for a consultation lunch/coffee/beer/wings at our earliest mutual convenience. 

I rent my own spare bedroom out as an office for example.

In my previous careers I’ve sold jewelry, and was a land surveyor.In my spare time, which is rare these days, I enjoy hunting, fishing, crafting random furniture my wife wants for her show houses or our home.

I'll spare all the mind numbing details (long distance, aging sellers, attorneys, conservative lenders...), but the process has taught me how different a commercial deal can be compared to any other SFR or small MFR I have done.I do want to thank a lot of members on the forums here, as well as the many podcast guests, who have knowingly or unknowingly, helped me through this ordeal. 

You can hire more people in Alabama but you can probably find more experienced people already doing that who can do yours as well in their spare time in NYC.

Use sparingly.

Get working on finding deals and start marketing to buyers in your spare time.

It is possible to get lights rated "non insulation-contact", but for those, you have to build a box around the fixture up in the attic if you ever want to add insulation.Also, if you get can lights that take incandescent or compact fluorescent bulbs, install the correct bulbs - usually reflector bulbs.