I do think you have options available to you that will prevent the "worst case scenarios' that you are envisioning are not going to come true if planned out correctly with the right professional.

The more profitable exit strategies, the more options, the more ways to make money and the fewer ways to lose it ... true for any investment.

The home and area are beautiful!

I love to design things and see a beautiful finished project.  

Bare with my unintelligence but this is true.

Same is true for the top unit (is in an attic?

That is absolutely true.....and I see that so often on these forums.  

I have a beautiful, nicely upgraded 3 BR 2 BA condo in Palm Springs.

It was great in that it got me thinking that i need to start buying more true assets, and making my money work for me.

Just remember the basic rules of investment. quick = risk..... too good to be true (probably is)..... property is best seen as a medium to long term investment.