They will have to find a renter within 2 mos, which is easy. 

I do not know about cheaper, but i believe it may run the same or a little less, depends on how much wall / ceiling needs to be opened and patched to block off the ducts. the 1st floor should be easy to re route to the new unit, so essentially you would be blocking the feed and return to the 3rd floor. the only " new" duct work ( if you can not tap into the old ducts on the 3rd floor) is the new ducts for the 3rd floor. so you would have 2 new units( or 3 if you want to replace the old one) re routing 1st floor feed and return, blocking 3rd floor feed and return and new unit and possibly duct work in the attic. you will get a better system then using multiple mini splits per unit.

I like Bagley as an area, but not easy to get property in there nowCheersLindsay

She keeps rent just below market so finding good tenants and keeping them are easy so everyone is happy.

If I’m getting expensive money I want it to be easy.

I manage hundreds of rentals and have never had a Landlord refuse to give a reference.

If you have a great handyman or contractor to refer as well always looking for more names. 

One note- home values in MSP are certainly not falling (maybe you were referring to other "values"?).

They don't call it investing because it's easy.

Easy solution if the problem is really the loan and not just getting a tenant.