However, I have done sub tos WITH lender consent on some commercial properties.Subject to is commonly assumed to mean WITHOUT lender consent.  

I avoid the multi-family market here, so unfortunately, I will not be a good go-to here, but I am confident you will find quality resources and help here on BP.  

What's your thoughts on me setting up owner finance on my property?

Instead of keeping them, I'd look to sell them and buy something more suitable as a long term rental.If you want to know why I have such a strong opinion on this, just google the following: - HOA Special Assessment - Florida Condos 2024 - search for news on the new laws - Zombie Condos

I used a hard money loan to purchase this off market deal.I rehabbed the upper two units within two and a half weeks and have a renter already lined up for one unit.

Are there any caps on pass-through expenses?

And what is your price point and are you looking for a turn-key property or something along the lines of a "fixer upper"?

I recommend you educate yourself on how to screen an ESA before someone takes advantage of your ignorance.

Make sure it is Scotchguarded or something along that line and you will be fine.

It ended up being the main water line to the house that was old/rusted/damaged.