Another period of QE will drop rates to the 3% range for a period.Ultimately, history has shown real estate values to double every 15 years. 

The property prices that I'm looking at are all in the sub-$150k range.

Given your need to avoid personal guarantees and collateral, consider the following institutions:KeyBank: Headquartered in Cleveland, KeyBank offers a range of commercial banking services and has experience with international clients.

Definitely looking to start smaller, in the 2-4 unit range, but seeing what you put in your buy box helps me think about narrowing mine.Plan is for funds to primarily come from saving from my W-2 work and possibly utilizing equity from my primary residence, though that is something I would need to really plan out.  

The truth is, if you can execute, BRRRR can work in all of those cities so it's a matter of preference - whether you prioritize cash flow or appreciation, price range, if you know anyone, school zones, etc.

Check commercial real estate sties that have local apartment rental and inventory data.

I am covering utilities for the 1st floor and garden unit (for a 3-unit MFH rental)Any recommendations for a programmable thermostat where I can lock appropriate temperature ranges?

Only a reliable tenant matters.Rent range - What the segment is willing and able to pay.Configuration - Two bedrooms, three-car garage, large back yard, single-story, two stories?

For clear evidence, you may want to consider an air quality monitor specifically noted for detecting a range of smoke types.

This can range from as little as $12k up to $150k.