The larger question is, as we continue to invest in income/rental property, do you at some point depart from the traditional mortgage loan, since we want to leverage our cash as much as possible, and so far we've been riding on my income and savings, both of which are high at the moment.

I would suggest contacting the planning department to see what additional fees will be incurred for creating a new unit.  

The other thing we like is that being web based, we can all easily see everything at any time, such as 'what kind of stove is that we put in at such and such address when we are looking for parts at the store etc....”

Mine says that I'm going to take common sense safety precautions - locking doors and windows at night, but that if a thief comes in the dark of night (or while nobody is on site) and steals something it is not my fault.That being said, I've got a whole darn warehouse where fixtures get stored until the day they get installed... for precisely this reason.

Tons of these at the big box stores/Walmart right now. 

Another one that I've seen over the years is: "This Indenture" which is accepted by all the county building departments here in North Central Florida.

Instead, I will have to pick up at three stores.

I got a call last night from the fire Department, they were called by my tenant because his smoke/carbon monoxide detector was going off.

The police department has locked me and the tenant out of the unit and hasn't given me an answer on when the tenant or I can get back in there.

Over this time i went in to the branch 5-6 times with them telling me to contact the online department but they would tell me they could not talk to me and i needed to go to the branch etc.