Non-conventional money is best borrowed thru relationships.There are a ton of legitimate lenders out there and he safest way to develop a relationship is face-to-face.

I think the wall units look cleaner but were not sure if they were as effective as the baseboard).On top of that was wondering if you would recommend the hydronic baseboard units or the standard convection heaters.I also noted your in NY are you using these to solely heat a house or as supplemental and do you feel they could adequately provide heat to a house in the NE during the dead of winter.

Based on my holdings in the area, I usually spend at least a few thousand a year in fixing things up (I usually get hit with at least 40% of rent for all non debt costs). 

I'm looking to meet my equity requirement with non-liquid assets. 

If it doesn't work out, I may try to either do (1) Airbnb full time in 3 units (we're occupying one unit) or rent it out to non-students as a regular housing rental.

I run a non profit that helps people find work at no charge, maybe I can help.

@William JenkinsDoesn't sound like you would use financing for the contemplated investment of retirements, but if you did it would need to be non-recourse (either via a Solo 401k or SDIRA) and if done via an IRA subject to Unrelated  Debt Finance Income tax.

Also, when you get that big the loans become non recourse which is nice too. 

@Ian Ippolito great point on judicial/non-judicial. 

I am helping some friends with their non-profit organization that provides a place for families to stay while visiting someone at the local university.