After finding bigger pockets, I am even more determined to get this goal started.

As @Jay Hinrichs mentioned, APR, its the best way to determine what your overall costs are for that loan. 

I have personally never met an owner that was sued and lost their investment(s) so I think the hype surrounding LLC and umbrella insurance policies is just that: hype.Talk to your CPA, educate yourself, and determine what protection is best for you.

If you are dividing a lot into four or less, it is determined by the zoning of the lot.

@Fred Buechel  You will need to determine what you're trying to accomplish. 

You first determine if you want to screen the new tenant or kick them out and then issue the appropriate cure or quit notice.

I think my bigger problem in deciding which one to go with is that they are both relatively good deals ( not amazing). but the financing will determine which one is better. one is offering seller financing at a great rate but huge down payment.

Can I:Move income from sale of H1 to 1031Refi H2 using that money to pay down loan amount.Take equity out of H2Use that money as a downpayment for a new primary residence H3Now that I type it out it seems like some hoopla the IRS would not allow - but my brain won't rest until I ask the question.

The IRS has processed them.You called me before filing your 2018 taxes, so I told you to "depreciate" ANYTHING your CPA says you can lawfully depreciate according to the tax code.A "two year average" of 2017/2018 tax returns would say that you are as broke as a joke and can't get a mortgage.

I'm self employed with my wife as my business partner so no problem with the balance on that part of the spectrum you aske about because we determine how hard we work "balanced" with everything else.