Same as above, cleaners restock from our warehouse for consumables. 

HELOCs have more consumer protections, but they can still be dropped through no fault of your own.  

An example of not recession resilient would be a karate studio or hair salon, things consumers cut back on when times are tough (and now you, the property owner, aren't getting rent, and thus might have challenges making your mortgage payment).

Unfortunately, unreliable sales people and gullible consumers are the norm. 

Any thing going wrong there and you're deeper than you think in it.You should work a part time job to get out of that consumer debt, and no turo is not it.

The regulations you’re quoting from apply only to CONSUMER PURPOSE LOANS, not commercial loans.  

Once you start making offers, the whole process of underwriting then offering is time-consuming enough. 

Tenants should be 100% responsible for consumables like air filters, water filters, light bulbs, etc.

I think these important to consider: Time availability: Property management is time-consuming.

I was involved in wholesaling business long time ago (not real estate but consumer goods), and it has taught me A LOT about human nature.