Perhaps our paths will cross someday as you continue to grow your portfolio!

The only thing I can think of is to obtain a line of credit with banks that will be able to cross collateralized the properties and offer a line of credit, does anybody know of a bank that would do it in the NYC/NJ areas?  

Even counting equity I don't see 2-3?

If you decide to cross the eastern CT border and invest in Rhode Island I'm here for ya.

Now sure, if no capex happens and there is low-no vacancy, great  but you can't count on that.  

If your insurance carrier finds out you have illegal bedrooms in the basement that tenants have access to they will likely cancel your coverage.Other investors cross their fingers and hope nothing bad happens.

My wife and I have been doing very well listing a guest house at the front of our home on AirBnB for three years now. I've found AirBnB to be VERY easy to manage and their fees are low. But I've reached a point where ...

You may need to eventually take on a credit partner but you can cross that bridge when you get there.

Also on your accounts payables do you count them in the month they were invoiced for or paid in? 

Likewise, because I found them by fishing on craigslist, even though there is a section there where landlords (or Realtors) advertise their apartments to potential renters, I can't really use that as my client has already cross-checked that for a place to live.