If you putting property as a collateral then there is nothing illegal of seeking funding outside of conventional banking system.

, plus insurance, water, sewer, trash, plowing, and lawn maintenance.

The buildup in your HVAC system will definitely be a contributor to the remaining odor.  

Specials can be for things like street work or water main updates, but usually it is for past due taxes and water bills. 

I worked for an engineering company whose structural engineer messed up the design and the result was that a fully finished house had to be torn down and a completely different foundation system used.

On the property in question (4plex); I as the property owner am paying sewer, water, and trash, has anyone had success in getting there units “sub-metered”?

The property has three 2br units and the rents are as follows with tenants paying all utilities but water :Unit 1: 800Unit 2: 750Unit 3: 650(Unit 3 is mine and a room is rented out to a friend) I haven’t received my first water and electric bill for the house lights but those shouldn’t be too excessive.I want to start working on putting together a deal for another multifamily with 3-4 units in about a year.

That can be another $60 a monthWho pays water/sewer/trash?

Recently, which no one has mentioned yet, and this has only been in the last 2-3 months Fannie Mae whom used to always require 2 years tax returns is now doing 1 year tax returns too depending on the findings we get when your file is ran through their automated UW system.

It is actually topical water proof, includes an extra cork backing for added protection, extremely scratch and UV resistant, and less expensive than the engineered wood, with similar pricing to the laminate.