These words have different meanings and you're using them in your question as if they mean the same thing.

Each lender gave me a different answer about the terms of the loan such as required down payments, max loan amounts, and a few other things.

My son just joined the Navy and now that I’m an empty nester I want to make a shift and bet on myself!

Everything else I can do with pen and paper.  

There are pluses and minuses to this.

More specific: He stole months of rent and utility payments from a tenant (and threatened to evict her!)

And, ironically, I got them to teach me all about this and how to not be a target going forward. 

And defer the depreciation recapture indefinitely (if you continue to do 1031 exchanges and cost seg over and over)

What I did was after my sale was under contract and I was down to a couple weeks from closing I started shopping seriously and had my replacement under contract a couple days before my sale closed.

you need to talk to your bank and lender about a lot split.