The weakest component was net exports.

It’s a key component of the property.

But yes, the interest component will be tax deductible. 

For the Refi component — my mortgage lender says there would be a 6 month waiting period if I go through an HML.

It has guides on various different areas of real estate investing.https://www.biggerpockets.com/...One of the biggest things with real estate investing is clearly defining what your goals are.

Similar to minisplit but not the seperate inside outside component. 

I would start with what each of your expectations are and define who would be responsible for what portion of the business.  

It sounds like Clearfield does not allow this.You will want to look at the occupancy laws and how the municipality defines a unit. 

If you define what you want out of them and what you want the deal to look like, they will give more of their efforts to you.

Specifically, debt is OK when it's used to buy an asset, defined as something that puts money into your pocket (not a car or your primary house).