The first graph below from the St.

I'm new to the community and excited to learn from all of you.

Usually retail on the ground floor and residential up top.

That’s the best bet. 

I come to you hat-in-hand, looking for the collective expertise I've come to enjoy here. 

Well, closing your account so quickly certainly doesnt help the attemp to network. 

The trust must be beyond the control of the person who is placing the assets in the trust, so giving up legal title, control, etc. is necessary.  

Or find a property that is under-utilized or has below market rents.Otherwise, you could also do the OPPOSITE of the great advice from @Jonathan Greene and buy a property with multi-bed units or live in the larger unit and rent out the smaller unit - while getting a roommate(s).

A HELOC could help temporarily if you plan to payoff the balance quickly and are planning to save on monthly payments in the short term.  

With the money and academics potentially pouring into RPI and Troy, NY — Do you think these markets will actually explode in the next 20 years?