Ok, understood Steve.

I can certainly understand the point of view of not liking the fact of subletting when you are renting a piece of property understood.

What are your most effective strategies/rituals/tips on sticking to those goals?

Making improvements, improve appearance, function, use and you add value.I suggest you study real estate, why and how RE is valuable, such basics when understood will help you see why and how things are done, looking at marketing systems or methods of moving properties won't teach real estate functions, responsibilities, value or the basis of legal aspects.

I never understood the phrase "if you do what you love you will never work another day of you life" until now.

Understood, and I thank you for this feedback.

@Armando Pena  Understood.

For instances, it is not well understood how proof or an originator will be provided in when mortgagee and mortgagor are in contest with each other.

Thanks Wayne - guess I mis-understood a 'hard money loan' - thought it would be more like cash . . .

If the current owner is living in one unit, just determine the rental value of that unit and do your normal valuation.I hope I understood the question but the way you mentioned seems to be the right way.