Great summary.What you mentioned are a plethora of conventional approaches to "no money down". 

@Sarah BunchI'm going to echo what @Bernie Huckestein mentioned. 

Chris, you say you have $100K equity but you don't mention how much gain you have.

I'm looking for a live-in-then-rent property with a bit more elbow room than the neighborhoods I mentioned (nothing against those areas just looking for a bit more bang for my buck).

Here is a list of all the books ever mentioned in the podcasts. https://www.biggerpockets.com/forums/79/topics/388292-list-of-all-books-mentioned-on-biggerpocketscom-podcastRich dad poor dad is a great starter book.

You mentioned you're in a suburb, but in the city proper once a multifamily has lost its rights (usually due to vacancy) it is nigh impossible to get them back. 

So putting up signs everywhere, joining every damn neighborhood club under the sun, handing out business cards to everyone you meet, mentioning to everyone that Hey, look at me I'm a real estate agent comes off a little too strong and salesy. 

Now with that being said there is a certain discipline to this that needs to be mentioned. 

Anyways, I was talking to our conventional financing lender about this next step, and she mentioned that unlike new residential loans, their company won't be able to use the income from the leases on the new apartment building until we file our taxes in 2019, and then they would use the income from our Tax Statement. 

There are some measures that don't take the debt service in to account, as mentioned above.