So essentially, it would be the whole duplex under one roof.

Sacramento is projected to be the #4 hottest metro market in the nation this year with 7.2% appreciation.So that means the $350k property you purchase today will be worth ~$375k a year from now, essentially putting an additional $25k in your pocket, more than $2,000 per month.

Texas has a very large protection statute for your home, which would essentially shield your investment; in other words, if this person did sue you, and got a large judgement which you could not reasonably pay, you would declare bankruptcy and wipe the debt.Of course, if you truly believe a lawsuit is imminent and will be pursued, you should absolutely consult an attorney. 

If the community bank which can essentially take their interest rate on the loan to practically zero there is no working room for a private investor who has a higher return demand on their capital.  

You are essentially paying a lot of interest over the life of a loan.

It is essentially the banks own money.  

For most of those areas, it is a street by street thing in terms of safety, but I also feel safe walking around that area and I am spend most of my life in a suit.  

As part of my business, I have an employee answering the phone essentially 24/7.  

As for the plugs, at least where I am, you can "pigtail" - essentially, join the aluminium wire to a short piece of copper wire in each outlet box using the special wire connectors and paste, then connect that short copper wire to your plug.You don't need to open any drywall or tear anything out to do this.

A portfolio loan is a loan type that the bank has direct control over...because it is essentially the bank's direct money...and not Fannie/Freddie money.