Owners, acting in their own individual capacity, are allowed to clean, given this, how can I add additional owners w limited rights?

I ended up using a "chain" property management company instead of an individual because I thought I'd be better protected...

Then the special purpose LLC rents the space to either you individually, an operating company that you have established or a third party.

Worse, I'm allergic to tobacco cigarette smoke and passive tobacco tar isn't much better for me in terms of the allergic response it kicks off.

The great thing about making mistakes at 19/20 years old is that you don't have family responsibilities yet. 

Thanks for the response.

@Alex Deacon, thanks for the quick response!

Even if a conventional Fannie/freddie lender will not finance it, there are always portfolio lenders (who make their own decisions on a case-by-case basis), commercial loans (yes, they can be made on less than five units) and last but CERTAINLY not least, private individuals (a massively underutilized financing source, IMHO)I think your bigger issue might be insurance, rather than financing.  

Good question Matt, I am looking for similar info in the state of Georgia if you get any responses.

Hi, Thomas,Thanks for your response.