It sounds like your paperwork is a mess and you need legal help to sort it out.  

There's no way you could buy an interest in a home or 4 plex, through any sort of conventional financing right?

Sorry, downpayment- as in are you using some sort of no down program, seller finance, low down payment, or what to purchase.

There's an interesting breakdown of users, though, from people who use the computers / wi-fi because they have none at home, to book club sorts.

Get some sort of high deposit so they don't trash the place and KEEP INSURANCE ON IT.

I did not have any plans on going the hard money route so my only option was to cover the concrete floors or back out of the deal and lose my earnest money, plus it became sort of a challenge to get the deal done so I had to do it.

The first time can be sort of an just an intro.

@Jared Rogers I am learning from everybody on BP myself.I wish I found BP three years ago; may be I won't have as mush white hair.

And there is some sort of plastic plumbing that was used in the 60s or 70s and maybe even the 80s that didn't perform as expected...it is garbage.

Since I have not yet found a local person or group where I live to work with to cover the rest, my realtor has suggested that we offer the current owner to hold 20% (I guess a sort of seller financing) and the other lender would then do the other 80%.