Meetings are once a month in person and many meetings on zoom.

Quote from @Jerryll Noorden:MAYYYYBE  interconnect 400 super comuters together and feed it every single piece of data on this planet and construct a real life emulator/simulater with every person's artifical character on that simulation where every user has inputter their life's journey...

They don't reflect on personal credit. 

While this is a real estate forum, personally I do not see buying real estate right now a great investment.

There's a ton of information available on these forums if you're ever unsure about anything, take a look around, chances are another person has encountered the same issues and share their experiences on here.

However, he (you) should keep it "clean" and not also use it for personal reasons.

or do you have personal experience with any ? 

I do recommend a cap and you can also have thermostats with upper and lower limits so one person can't set it to 80,  put those limits in the lease. 

Talk with your tax person or a 1031 Intermediary.  1031 must be land to land. 

But there’s an Encumbrances that was posted by TD Bank, by my research was either personal loan or business loan default.