And when considering holding property as a rental, never over estimate cash flow and lower vacancy expenses.That's an excellent point Aaron; because whether it's your business or the natural environment, what's the point if you can't sustain it into the future? 

Since you've purchased, you are going to have a certain unknown amount of exposure due to the nature of how you acquired title.Attempting to monetize could be accomplished with a Grant or Warranty Deed and a Purchase Money Note secured by Trust Deed or Mortgage with a clause addressing the potential issue and who and how risk is to be born. 

Hopefully a third unit is in the cards for Q2/16.Biggest question with the 4-plex is when to replace the four 'snowmen' oil boilers?

@David Kenny Most HOAs for townhomes around here (in MN) are run by management companies that specialize with this type of business.If you have an attached townhome, your HOA will have insurance on the building for major issues like fire, storm damage, and other natural disasters.

We do use linoleum in bathrooms and laundry areas in several of our rentals - it's a non-petroleum product (gypsum, wood flour, linseed, pine rosin) which is naturally anti-microbial and, if laid and cared for property, will outlast vinyl flooring.

Would anyone have any advice as to how to get my mindset to change and be more natural at mentioning my investing?

I am / was a CPA so numbers just come naturally.

She loves real estate, so naturally she bought as many grade A single family homes she can, while my grandfather bought land!

If that's not an option I think a diesel/oil furnace or a propane furnace would be a preferred option over electric.

I cannot speak to the quality of the education either providers offer however I know human nature.