CapEx, you stated some equipment is old (hot water heater etc.) a percentage of that rent should be applied towards the replacement I'd those items on top of regular maintenance, in my opinion.

I wonder if that will apply to landlords affected by tenants who can't pay their rent. 

Inspections are tomorrow (Tuesday).As far as rules of thumbs go, in our area Lodi California, 1% rule would nearly not apply. 

While some of these may not apply to you, but they will give you an idea to think outside the box and potentially come up with other options. 

I doubt the same rules and regulations apply for both states

This very same approach will apply to your question: depending on where you're looking for funding, the results will differ as well. 

HERE’S THE BREAKDOWN OF OUR RENT:The principle of leverage can be applied to anything.

Is there a certain coupon code that I should be applying in order for it to work?

The tax applies to Self-Directed IRAs and can be as much as 37% on the gains you make from the loan portion of your property.A self-directed Qualified Retirement Plan (QRP) is the answer to avoiding the UDFI taxes in leveraged real estate investing.

Unless you apply to change zoning, there is no way around it, and probably it will be very hard and costly to change zoning.