Personally, I'm not a wait on the sidelines type of person, so maybe what I would do does fit everybody. 

I would also suggest (once your credit utilization is lower) to apply for business credit cards with diff banks as they will give you additional capital access without hurting your personal credit.

It is very common for the typical bank mortgage person to make this mistake. 

They are either speaking out of their limited experience or claiming something is legal or illegal based on personal preferences. 🤓🧐  thanks  Scott:) I agree.

Is that 4 rental units with one being smaller than the others because it does not include my personal residence space? 

The current tax code provides special benefits in this situation.When the original owner passes away, the "basis" of the assets resets to the market value at the date of death.In the US, there is currently an estate tax exemption of approximately $13 million per person, which allows the basis to reset, and depreciation can start anew.This “step-up in basis” is particularly useful if the next generation wants to sell the asset.Since their basis is set at market value, if the property is sold at that value either at the date of death or within six months, there is no capital gain and no taxable event.There have been many examples where portfolios of fully depreciated real estate worth tens of millions of dollars have been passed down from one generation to the next, resulting in little to no tax liabilities for their heirs.Pretty cool, right?

(I assume you won’t find a 1 hour a day type person.

None have monthly fees, all have pay a business or person pretty much right away.

.- They disconnect from WiFi and require in-person resets.After three years and managing eight STR units, I’ve found smart thermostats just aren’t worth the hassle.I've never owned a Nest thermostat myself, but I managed my former employer's personal properties, and he had several issues with Nest.  

The best approach is to be honest, personal, and understanding.I’d suggest having a conversation with them in person or over the phone first—before handing over any official notice.