The four elements of CPTED are: natural surveillance and visibility; lighting; territorial reinforcement and space delineation, and natural access control.

Small banks and credit unions are great with commercial deals but if your talking about their creative loan options those are not for low money down house hacks. 

I'd stick with three bedrooms sharing one bath that is easily accessible from a common hall.  

I find that in my particular case, having unfettered access to cash has given me investment opportunities I couldn't have done in a Solo with the limitations they have.

Or if you don't want to share, are you lending on residential or commercial properties?

(There are a lot of great commercials from companies who are notorious for not paying claims.)

I have the opposite problem, I have access to the funds but am just starting and do not want to make a mistake that could leave me up s**t creek and rebuilding the funds for another 3 years.

I have a little chicken or the egg issue though - part of the resource I was going to use to look for deals was the MLS, however, I can't get access to it until I work with an agent.  

If I buy all 5 at once lenders are pushing for commercial loan at higher rates.

TSP is a retirement account. not very accessible car payments and personal loans are terrible revolving debtso you traded these two things for liquidity.