@Jay HinrichsJay, I'm going to take a wild guess and say that just might work out for you, when you get settled in I'll give you some tips on places to eat.

But really, 'she'/dating/friends pays about 40% of the time when eating together, if I had to estimate.

I'm no physician either, but you don't get sick from lead-based paint unless you breath it (like breathing in the dust from paint that has been "disturbed") or eat it.

Keep in mind you will be paying closing costs when you double close which normally eat up about 1k worth of profit (or a bit more).

After a while it starts eating away at me and making me depressed.

Now I eat the cost and use a good, licensed master plumber instead.  

Interesting on the 15 yr, because I technically don't live off my cash flows either, however I DO use those cash flows to acquire more, so I'd assume the 15 yr would eat away my cash flows so that I couldn't acquire as quickly.  

With it constantly eating cash for monthly mortgage payments, property management fees, turn over and repairs,  it may hurt your investment goals and will effect your mindset.  

They could quickly eat into that $7500 monthly profit.  

I have talked to others that says I can do zone with dampers no problem while I have talked to others and read online that doing this will be a maintenance nightmare and that I really am better off eating the cost and doing a split system.Has anyone else had a similar situation and re engineered hvac from split system to one larger system?