Right now Host Tools seems the most cost effective simple option for what I'm looking for but I'm discovering there are many options out here.Thanks xx

And some folks just are not realistic they have no intention of doing any business but want you to write out a business plan for them or give them all your hard earned tactics and secrets that we have all spent decades to garner.. 

Then I discovered the wild profit margins of new construction!

I discovered BiggerPockets after reading Rich Dad Poor Dad and listening to podcasts from Your Financial Pharmacist. 

For the single family zoning question, you could do separate leases but may run into trouble with the city if it is discovered that you are renting an improperly zoned multifamily.

I have been doing my research and am so shocked to discover that average historical vacancy is 10-15%. 

Glad to have discovered the forum!

I've used both Discover and SoFi recently, and they're actively lending despite the pandemic.

Subprime mortgage crisis indicatorsFrom the Journal of Real Estate Finance and Economics, Maxmilian Schmeiser and Matthew Gross reviewed over 20 million subprime loans from 2008-2014 to discover clues that lead to re-default and eventually foreclosure.After the financial crisis, they found that most mortgages were taken back by the bank (REO), sold at a loss (short sale), or sold at foreclosure auctions.In their study, they looked closely at loan modifications that enabled homeowners in default to renegotiate their loan to more favorable terms.

I also like Wylie, others that I have on my list are CenterGrove inspections (he is an investor himself - so he gets it), Markham Inspectors (father/son team that is very fast and thorough), and I have another one that is so good that I like to keep him secret and busy myself with my clients :)  Thank you for asking here and not going out on YELP or one of those services -- there is a big difference between an investor inspector and a homeowner inspector.