There's a ton of information available on these forums if you're ever unsure about anything, take a look around, chances are another person has encountered the same issues and share their experiences on here.

or do you have personal experience with any ? 

My name is Darian, I've been in real estate for a little while as a secondary focus in life.

In that scenario, you would pay PMI for the life of the loan regardless of your equity percentage.

While this is a real estate forum, personally I do not see buying real estate right now a great investment.

But there’s an Encumbrances that was posted by TD Bank, by my research was either personal loan or business loan default.

I am located in Jax Florida and use my realtor license for personal deals and occasionally help others. 

I do recommend a cap and you can also have thermostats with upper and lower limits so one person can't set it to 80,  put those limits in the lease. 

Talk with your tax person or a 1031 Intermediary.  1031 must be land to land. 

This encompasses eleven authorized activities within the real estate sector, including development, construction, leasing, and brokerage.750 Hours Test: In addition to meeting the 50% test, individuals seeking Real Estate Professional Status (REPS) must surpass 750 personal service hours materially engaged in one of the specified real property trades or businesses.Understanding Material Participation:Material Participation: Only hours deemed material to the operation of a real estate business are counted towards qualification.