Then after paying those two costs out of profits, split the rest.  

Only big ticket items that are left is the roof- the rest is purely cosmetic.

This person would need to be well versed in researching laws in the rest of the states too because we'll be investing in places like Lake Tahoe and we'll need a guide as well as someone to look over contracts we might go into (especially contractor terms).I see a few posts that are old as dirt on this topic and I'd like to see if there are more recent opinions.

I have 3 houses and each of them I bought with 20% downpayment and the rest on mortgage.

I feel if I just stick to your advice and let people know in general I’m interested in investing and I’m sure the rest will happen naturally, thank you!

Do you prefer owner financing, having an investor for the capital, or big down payment and chunk the rest out? 

I'm currently looking at a 4-unit multifamily so I can live in one and rent out the rest.

I have searched through the city forums and have talked to the city hall officials; I'm finding it difficult to obtain an answer.

Can you muster up the bare empathy to see things the way the tenant probably would and the taste this would leave in any elected official's mouth if they had to adjudicate a petty, grasping, little dispute like this?

These people are not official lending businesses but may rather be a friend or colleague who has some cash they're looking to invest.