Ideally I'd like to house back and get an FHA loan.

Looking forward to connecting with like minded individuals here on BiggerPockets

I would price out the plumbing and electric for the smaller stacked units (think ge space maker or smaller) in the units before a free standing building....you just need a closet size space and they do this in the efficiency units (450square feet) where I have a condo rental..this may put the costs for electric back on tenant if individually metered..

Other attorneys and individuals may argue differently because the average debtor in this situation knows they are on the way out any way.

I have run into one company that I deal with when I need things done though.  

Primarily at this point, I'm focusing on learning, analyzing a deal, and finding mentors and other like-minded individuals with real life experience (in the area's we are looking to invest specifically, but I'm not opposed to making new friends everywhere!)

I think you will find a lot of wise arguments on BP, just note, its all about the team, individual, contact that you have in place that is a reliable, trustworthy, and transparent contact, so do your homework complete your due diligence, all people and assets are not alike. 

I have been in multiple markets over the past few years, meeting like-minded individuals who would love to partner up on real estate deals.

If individuals want to lend less it would be an un secured note.We provide our lenders....Purchase Price Info, Property Address, Projected Rehab Costs, (typically just total amount) ARV.For security......Promissory noteMortgageAdded as an additionial insured to insurance policy.For a 5,000 note I dont provide any additional security, as it would not e tied to a specific property. 

Lawyers are very cunning individuals that will gladly take your 6 houses.