Make sure the building you buy has sufficient parking for 6 units.

Your basic insurance policy with $300,000 in liability coverage should be sufficient in 99.999% of all lawsuits.5.

Your basic insurance policy with $300,000 in liability coverage should be sufficient in 99.999% of all lawsuits.5.

I plan to owner-occupy it, and I'm trying to see if there's any way to finance this with less than 20% down.I've looked into FHA, but this won't work because it doesn't pass the "self sufficiency" test – i.e., with a purchase price this high, rates in the 6-7's, there's no way that 3 out of the 4 units' rents, with the FHA vacancy rate (I think like 15-25%!!!)

There aren't really sufficient details to answer. 

Your properties are not good investments as they presently stand and rents are not sufficient to support refinancing to maximise the use of your equity. 

For a bought system, assuming the output was sufficient, the savings should be considerable, and the value can be high to a discerning buyer.The reason that I have no interest in a leased system is that the buyer has forfeited the 30% credit to the company installing it for (likely) minimal electricity savings, in exchange for a 20 year lease on equipment that is quickly becoming out-of-date (cost per watt to install solar is decreasing rapidly year by year).

However, anything above 3-4 units you would also need to consider passing the Self Sufficient Rule (SS Rule) where your projected gross market rental at 75% has to be greater or equal to your monthly PITI.

These were not tenants of mine but after I bought the housesI think human urine is worse though.....in large quantities.....?

I'll let Clint give his answer as a lawyer.As a layman, I would say that both your options are not sufficient as:1/By John Doe, Member manager of Holding LLC: What is Holding LLC to Property LLC?