What would be the best (cheapest) HVAC system for a duplex conversion type project with the goal of having independent climate controls in each unit?

My biggest apprehension is that this $36,000 down payment is going to cut pretty deep into my cash reserves (pulling this out of the stock market) and only leave me with about $15,000 for future ventures (without dipping into emergency fund/savings).Not sure what the right answer is here.

Here is one that is currently going around in my town of Waterloo, IA that i think could be a big deal for landlords:The Community Development Waterloo, Iowa Lead Hazard Control Grant completes improvements to your home to remove lead based paint up to $40,000.Both owner-occupied and rental homes can participate.Your home must have been built before 1978You must be income eligible & have children under the age of 6 who reside or visit frequently.This money can be used to replace windows, doors, or siding with lead-based paint.

Is there rent control?

Multifamily over 4 units is valued based on cap rate and NOI, which provides an additional opportunity for upside that is in your control as an operator.

Winter months mean higher prices because of the higher demand, but summer vacationers can be great too (except for John Candy).Rather than chasing potentially profitable deals, figure out who your target market is (an overworked Air Traffic Controller from Atlanta), figure out what they want/need, supply that, then market the property in Atlanta.When you find the property that meets those needs, the ability to rent it for less than 30 days is a bonus.

The " for free" part might not come in year 1, but you'll be controlling your cost of living in ways that few people can.

My husband approves of this venture, but has no interest in being involved himself and would not want his name on any of the paperwork.My question is: would a lender use the full amount of my current mortgage in calculating my debt-to-income ratio, or would they say that I am only responsible for half of it, since my husband's income also goes towards that loan?

Fire you PM and find one who will take control and get this turned back around. 

He always expressed a belief in me and always said to let him know of any business venture I wanted to pursue because he wanted to be a part of it.