I am a little unclear if a larger or smaller is better.

I tend to feel calmer when things are FIXED, and I have only every done larger loans with FIXED rates.

You do not have a choice. 

Compared to hard money, its better rates, longer terms and lower fees.Hard money has its place though, if you need to close really fast and if you haven't had 2 or more exists in the last 24 months, then hard money might be the better choice?

talk to Peak Asset Lending in KC  @Alexander Felice  banks generally wont fool with stuff this low unless you have existing relationships with them.. the cost and risk of having a default far out weight what a bank can make on a 15 to 20k mortgage.but i have seen small local commerial banks do these for local citizens that own 10 to 50 homes and its their cottage industry so to speakI have NINE loans under 75K and I work at a bank, while it's true banks would prefer to do larger loans, they do small ones every single day. 

I need to install new unit but it does not look like I have the power for a larger electric unit which means I will need to install a gas tankless.  

 If I could do it over I would definitely buy a four family I started with the duplex then a three family and then a four family and I now do 4 families and larger if one person moves the only missing one fourth-year income versus a duplex where one person moves are losing half your income plus with the price point on a four family your depreciation and you’re write offs are larger and later on your net worth is higher

Would it be possible for us to combine these into one larger line of credit?

Many times the additional risk with ACV is glossed over without putting pencil to paper and putting a true $ figure to what the loss could be.Once you really know what is at risk, you may find that on a certain smaller property, $100 of premium savings is only $7k of additional risk, while on a larger building $300 of savings gives you $50k of risk. 

And selling for 69K There are pictures and it is in decent shape  Would you reccomend and appraiser  , inspector  to help me make a better choice  and PM company to run it smooth.Any advice appreciated  Nikolay Voronovich