BP Podcasts are incredibly helpful.There are also many helpful books about the topic, you can find more at biggerpockets.com/books such as UBG (ultimate beginners guide).

. ;-)@Robin Lewis In paradise my PM would also be totally awesome in checking, analyzing and telling me what improvements I could/should do (I'm somewhat of a distant owner), organize the contractors and material, overlook everything, kick some butts here and there, provide progress reports and ultimately pay everyone involved and then invoice me accordingly.

Ultimately the attorney would have the best advice as everyone's situation is different and a lien may be good for one person but bad for another.

Here are some new Member TipsTip # 1: How to Use @Mentions on BiggerPocketsTip # 2: Setting up Keyword AlertsTip # 3: 25 Tips for Real Estate SuccessTip # 4: Check out the Start Here pageTip # 5: Check out BiggerPockets Ultimate Beginner's GuideTip # 6: Listen to BiggerPockets PodCastDon't know which one to listen first..listen to BiggerPockets Podcast 108: Building a 350 million Real Estate empire using the 10X rule with Grant CardoneTip #7: VotesTwo things you may find useful:1.

The zoning of the property should give you that answer - check with your county land records dept.Then the next step is find a lender that's friendly with whatever that property type is, and their underwriter will ultimately be the guys that make the call to consider future rents or just your personal income. 

My only problem is I was injured a year ago and was unable to work for over 8 months and had to spend all my savings to survive.

So ultimately you would have to decide if your willing to take on 4 more tenants for $175/mo and the deciding factor for me would be how well the market I'm in is appreciating at this time but counting on appreciation is a little bit risky imo.

If you haven't done so yet, check out Ultimate Guide to Investing and listen to some of the great Podcasts Get involved, ask questions on the forums, etc. 

I've survived a roof leak for over 18 months that kept 3 rooms flooded in inclement weather.

Be sure to read through The Ultimate Beginner's Guide to Real Estate Investing to help you get started.Also - here's a couple articles you might enjoy:The 21 Best Real Estate Investing Books Ever How to Rent Your House: The Definitive Step by Step GuideHow to Be a Landlord: Ten Tips for SuccessFinally -be sure to setup some keyword alerts - especially for "Richmond" so you can jump into local conversations.See you around the forums!