If you can't keep control of your personal finances, you are highly unlikely to succeed in real estate investing.

To be honest I do not send out a lot of letters and do not mass send things out so maybe I'm the wrong person to listen to.

The borrower is not personally liable for the loan, and the lender cannot seek additional repayment beyond the collateral.Since the borrower is not personally liable, they can choose to make larger or additional payments to pay down the loan faster if they wish.

Personally, I've been in the mobile home investing business since 2007.

So you asked for legal advice on this forum and was encouraged to contact an attorney.Then, you were not getting the advice you wanted from the attorney, correct?

Also, try to see if the lender will allow to buy under LLC for better assset protection; by doing personal gurantee. 

And while grabbing an owner-occupied loan is typically a non-starter in a standard 1031 transaction, this is a mixed use property that does include a personal residence portion. 

To further complicate the process, this demand notice must now be attempted to be personally delivered to the tenant two separate times, on two separate days, before it can be legally posted upon the property.

Are they different for rental property vs personal?

And with you using one of the units as an office would not eliminate the fact that you are 'disqualified person'.