., if you are an accredited investor, you can buy into institutional grade $50-125M projects with as little as $100,000 and diversify.

(I went to a private school, skipped high school cause the curriculum we had the 8th grade was equivalent to public school's 12th grade, got my GED at 16.) 

If your ever looking into Cleveland check out this neighborhood grading scale I think you will find it pretty helpful.

Some areas in CA would get a F grade for those 3.

Here is the original The Ultimate Guide to Grading Cleveland Neighborhoods.

If there is structural differential settlement and foundation is slab on grade, you need to look also for utilities integrity (sewer pipes, water pipes, etc) within the foundation itself. 

We want to do builder grade finish and are looking at keeping them for the near future.For HVAC , would you all suggest mini split ductless systems or central HVAC.

Granted we used mid grade finishes and we could reduce the price but for a short term rental you want to keep things looking good. 

They are both working class people with two kids in grade school.

Please be careful of all these out of state investors and experts that grade neighbor hoods in Alabama  that they say are B streets but these neighbourhoods are burned up boarded up or shooting and stealing.