I borrow from friends, family, past clients who live out of state and sometimes out of the country.

I would generally agree with this if we're talking about buying at retail prices for on-market deals. 

I agree with replacing seals and glass, wherever needed. 

As far as diversifying, I definitely agree.

A very nice quiet country setting.

If you can make a different counter offer that you think the seller might agree to and it makes sense financially - knowing you have some sizable capex coming up, do it.

I'm not sure about other parts of the country, but living in South Jersey, it's pretty cool when you find a place that doesn't have termite damage. 

I'm currently under contract on a smaller, 5-unit commercial office/retail property. 4 of the 5 leases expire in April/May of this year, and one of the contingencies of the sale closing is that 3 of those 4 soon-expiring leases renew for at least one year (I have full negotiating power over those leases).All of those tenants have showed no intention to vacate, and are happy with their current situations.I've seen/read in many places that it is best practice to stagger leases as much as possible in order to avoid the possibility of multiple tenants moving out around the same time, leaving numerous units to be turned over.Would it best for me to try and get 2 of the 4 tenants to renew a two-year lease (which they've done in past) and the other two tenants agree to a one-year or three-year lease (both have been year-to-year in past ).

I really agree with you because I am not in any position to have a charity. 

@Aaron Vargas Not to beat a dead horse, but pretty much every large lender throughout the country will do down to 3.5% on an FHA owner occupied loan on a 1-4 unit as long as your credit score is above 580.