However, the loan is still in our personal names and that won't change unless we re-finance with another financial institution (this credit union doesn't even offer business loans).

I'm not saying you are a schmo off the street but, you have not established yourself as an institutional note buyer with a history in buying notes, based on your post.

They're essentially saying the criminal laws and judicial system are racist and unfairly target minorities, therefore Landlords shouldn't consider criminal records when determining risk of an application.Question: who instituted the laws and put these judges in place? 

For example, you start replacing faucets and discover that parts of the plumbing are outdated or not up to code.

I had the well tested for output and discovered it could handle  2 more families in 2 mobile homes.

The downside can be the complete loss of the capital if things really go badly (normally when there is a catastrophic event or when something toxic is discovered).

@Jade Vaughn I go to fashion institute of technology… I have absolutely no interest in fashion.

I'm having trouble finding a financial institution that will help with the refinance when the time arrives.

One interesting thing I have discovered is that it is pretty hard to find a multi family unit in Northern Virginia! 

I am grounded that in all cases, investors, lenders, and land sellers will hold the person speaking in a different regard if they are accurate in their assessments of financial performance of multi-family real estate projects.Generally, in the multi-family development and institutional level value-add markets, we use the following ratios:NOI/CostInternal Rate of ReturnEquity MultipleCash on Cash Equity Returns (ONLY on stabilized operations cash flow)In this Part 1 of a 2-part article, we'll delineate how to model an apartment project cashflows.