I definitely understand that using a HELOC is better for short term, so I'll keep that in mind.

Would you mind sharing the name of the bank.

It is worth the piece of mind and will provide better service to your tenants.

In my mind small 20,000 square foot shopping centers would be ideal as far as investment goes but my retail stores need no more than 2000 Sq/Ft.

I’ve found single family townhomes ranging from 100,000-200,000, and then I find 3, 4 unit homes in established areas (canton, federal hill, locust point fells point) and also somewhat established (Bolton hill, pigtown, hollins market, etc), but those multiunits are ranging from 300,000 to 400,000, rent in area ranging from 700-1200 a unit, but 0 down and me having a 4K reserve to work with for tenant expenses and fees, my heart says just do it take the risk, have the cash flow pay for mortgage and I save my own money into reserve ASAP,  but my mind says not a good idea to buy the multi ill be in over my head, stick to the affordable single family property, hopefully it appreciates and start rent when you leave the property.  

Wendy,Have a few in mind but can I have the addresses for these properties?

I wouldn’t mind a value add rehab with a minimal budget to cash out refinance.   

I am not very handy, so this is something to keep in mind. orDo I want to sell my current house and put some of that money into savings and the rest into other rentals?

Here are the ones that are top of mind: - You learn by doing. 

Expanding the mind on a daily basis will help them get closer and closer to the best option for their future.Best,Abel