fully agree starting from scratch with limited funds debt is mandatory no question.

Lending capacity should only matter to those with large borrowing needs and require large legal lending limits but that wouldn't apply to hard money lenders anyway.

High earners should also consider estate planning tools like trusts or Family Limited Partnerships (FLPs) to minimize future tax burdens.Given his income level and tax complexity, consulting a real estate-focused CPA is essential to maximizing deductions and optimizing tax efficiency.This post does not create a CPA-Client relationship.

She is renting the apartment, not the entire property.It's very important for landlords to understand Landlord-Tenant rights and maintain control of the property.

One thing that hasn't been brought up is if you put a property in an LLC, it MAY be subject to California Rent Control, even if it is a single family home.

This means that the bulk of the expenses are not going up annually.In addition, if OO you get to write off the property tax and interest to the SALT limit ($10K). 

Some credit unions or local banks offer portfolio loans that don’t stick to the 4-unit limit, which could work well here.

We sent messages to all residents and 3 didn't answer, so it seems like that is the place to start, but does anyone have any ideas on how to figure this out given the limitations?

Then think I could have 2 sub meters put in (believe the limit is 1 per main water meter).

A kitchen fire in the back unit got a little out of control and burned up to the roof.