I am stuck on how to apply the existing credit, without it being recorded as another deposit.

I am of belief only if the tax lien is recorded in prothonotary would it encumber other real estate.

I'd also bet that like MA, CA inspection results and historical records are public and probably available online.If the numbers are good, I'd proceed with your due diligence.

You can actually remove your name from public record by doing this, as explained by this article.Otherwise your best option is hunting for a bank that offers you the best commercial loans possible - but the rates will not be as favorable something you would get in your personal name.This isn't legal advice, just my opinion as a real estate investor.

Do I need to classify my investment properties as a business before I get started or will it be no issue as long as I keep all records of expense?

Recording the ODO meter will be forgotten once in a while.

Typically dead beats like this don't even show up in court, but if he/she does, you are almost certain to have better records. 

I’m searching for a software I could use to track and record my Virtual Assistant so I could listen to their calls.

., I doubt those lower bedrooms meet code and sprinklers would probably be more expensive than putting in egress wells for each.Check the town records to determine what the legal status of each apartment is.

The origination cost associated with the underwriting team, loan officer, and support staff would be too high for most organizations to make the economics work on this small of a commercial loan.