My thought Scott since BP is basically the gold standard with their training courses and we know how popular wholesaling is for beginners and BP having a lot of those starting their journey when you have your training events and such you separate BP from on line Guru's that will just tell you wholesaling with no rules is legal in all states.. which its clearly not.

I would have thought San Francisco is oversaturated with STRs, but that's what several people are doing, buying primary residence and house-hacking a separate unit on AirBnb.

@Sergio P Ramos, what about moving the house to a corner of the lot and subdividing off a small parcel for this home and selling it separately of the rest of the land.

Is it possible to re-finance these separate properties as a group in a single loan?

In some places, from what I read in Forbes, even a finished outbuilding might be noted separately rather than rolled into the main house’s footprint.

I use a separate email dedicated for mortgage business and a PO Box for all investment business mail that I check weekly.

Are all 4 units metered for gas and electric separately or on master meter? 

In most states there is protection in your primary home through the homestead exemption, your investment properties must be in a separate entity.  

Are there separate gas, electric and water meters for each apartment?

Quote from @Dalton Summers: Hope this helps. https://codes.ohio.gov/ohio-revised-code/section-4735.24(A) Except as otherwise provided in this section, when earnest money connected to a real estate purchase agreement is deposited in a real estate broker's trust or special account, the broker shall maintain that money in the account in accordance with the terms of the purchase agreement until one of the following occurs:(1) The transaction closes and the broker disburses the earnest money to the closing or escrow agent or otherwise disburses the money pursuant to the terms of the purchase agreement.(2) The parties provide the broker with separate written instructions that both parties have signed that specify how the broker is to disburse the earnest money and the broker acts pursuant to those instructions.(3) The broker receives a copy of a final court order that specifies to whom the earnest money is to be awarded and the broker acts pursuant to the court order.(4) The earnest money becomes unclaimed funds as defined in division (M)(2) of section 169.02 of the Revised Code and, after providing the notice that division (E) of section 169.03 of the Revised Code requires, the broker has reported the unclaimed funds to the director of commerce pursuant to section 169.03 of the Revised Code and has remitted all of the earnest money to the director.