I have several questions to answer before writing a proposal and would greatly appreciate any advice whether broad or specific:-What are the advantages of a partnership with a pre-determined percentage of profits shared VS a personal loan with a fixed interest rate?

Granted, I left there in 2013, but those monthly reminders, with any past dues, utility charges, base rent and NNNs, meant a vast majority of tenants paid each month.  

The “due on sale” clause does not, in fact , legally CAN NOT, prohibit a transfer of property where the mortgage lien is not paid off.  

This equates to over $200K actual tax savings that I would have otherwise paid in taxes.

This violates the lease, but rent is paid on time each month, neighbors have not noticed anything unusual, and the tenants are hardly ever there so overall, they are good tenants to have.I am debating ending the lease due to the clear violation, OR adding the new employees to the lease for a fee with regular inspection to ensure only 3 people are staying in the unit. 

But I don't think roommate income is a thing, and existing roommate income definitely isn't a thing if it's an apartment you're renting.I recommend you find a local mortgage broker who does conventional loans, give him/her a call, and ask to have a conversation about your borrowing limit *before* going through the pre-approval process.

I checked out your listing and read what you're doing to attract PTs (prospective tenants) and pre-screen them, and here are my takeaways:-No offense intended, but your marketing photos could be better. 

Because you're essentially taking on the duties of a General Contractor without knowing what you're doing, or having passed the tests, or paid the money.

I’m selling a home for $330K if I offer owner financing, I’d ask for $130K-$150K and then the remaining monthly amount until the mortgage is paid off.

Between the four 1b/1b units, the property generates $3,800 in total rent, and all utilities are paid for by tenants.