Or a 0% credit card as long as you don't run the balances too high which impacts your credit score. 

@Jeff RogersIt really depends on what you are doing while living in the property.If you are making payments for minor repairs, it likely won't do much when you convert it to a rental.However, if you are installing a new roof, water heater, flooring, they may have an impact when you convert it to a rental.

I know I may be starting out, but I tell everyone about the podcast because it has had a huge impact already.

The brokerage name use to be something that would tip the scales in your favor at a listing presentation when sitting down with someone, but now it does not have that impact.

By being proactive you may lose a few months of the life of the item, but you save on the inconvenience of an 'emergency' that impacts your tenant's and your life, and save on damage and water costs.

Buy a 1-4 unit home with FHA residential loan in my name.If having the commercial loan in the LLC's name instead of mine gives me a better credit score (since I heard the LLC does not impact your personal credit score), I'm wondering if that means I can qualify for more on my FHA residential loan in my name than I would if the commercial loan was in my name.

Sadly, Marriage isn't the permanent thing it used to be and you have to ensure your sound financial future regardless. build your wealth. her debt is her debt.

A permanent solar system with battery row $ 22000 ? 

I dont think the jurisdiction would want the shared driveway coming from the back permanently if the road is planned to be developed.Just  my thoughts!

Interesting math problem.You may need to normalize the appreciation in any area vs others, because the biggest factor for appreciation is going to be related to the printing of money in Washington DC.It appears to me you are missing the most important variables related to supply and demand:Jobs within X milesPopulation growthHousing startsI could see how a flood zone could impact appreciation, but race seems an odd factor to include over supply / demand drivers.