@Josh Caldwell Josh, do you think hard money strategy can be employed for securing a multi unit (4 units residential) if secured with a HM lender who will refinance the original loan after a specified period of time?

I'm not sure that your 401K would require you to pay it back if you left that employer? 

The debt coverage ratio is an indicator to the bank there there will or will not be enough income generated by the subject property to pay off the mortgage.

Toledo is also the home to many employers.

If they were able to do 20% down, the income the property was generating would have allowed a commercial appraisal but Fannie isn't in the business of investment financing. 

My understanding is comps are generally used for residential real estate, while the income generating potential of commercial property is what determines the value.

Your employer may or may not fund the tuition of those certifications but if they don't, you should. 

It had every generation wiring and plumbing.

This is my passion.Not everyone want to house people, some just want to collect the rents, some want to flip, some want to do what they call wholesaling--which to me is more of a self employed situation than actual investing, although I do see the overlap.

Lead generating, meaning spending time to connect and build relationships with others to help build your pipeline.