(disclosure) I'm also 'licensed' but this guy sounds like he 'takes the cake and eats it to'

You get to have the cake and eat it too.

My thought is to hold off as IMO, if it don't eat any hay it's not costing you anything.

That says that, if you use a PM, expenses, capital, and vacancy will eat up 50% of the gross scheduled market rent.

That would eat up $15,040 of your profit.

Check caulking joints inside the unit everywhere and seal up.Do not eat on carpet as not vaccuming right away breeds bugs.

Other than that, his atty was fully aware my evidence eats his evidence alive!

Even if you could save it all every year it would only take one tenant moving out and leaving the place trashed to eat all of that up.

You are mortgaging your future to the point that you may welcome criminal action so you will at least have something to eat and a place to sleep.

The ones that do lend on commercial or mixed use are way more conservative on LTV's and down payment requirements.Even if you could structure such an arrangement your high debt service would eat you up without any income coming in.