I was going to ask you what your experience with a jumbo loan was since I've only read about them, but it looks like they increased the jumbo loan amount to 647K recently so I guess you just fit into the new limit (nice). 

As for paying out commission splits, I guess we do it the old fashioned way.

Guess is they are only doing this with certain dollar amount properties as the understanding that they may not have the money to fight money nor want to, guessing they are not doing this with $50mm+ and up deals.  

I  ask questions over the phone ,then have them do a back ground if they look like a winner based on a verbal general info .I will do keep one more ready  but not filling out a whole app with personal info .I guess some people harvest money from apps  double triple the cost ?

So I guess in "theory" you could work a BRRRR on a duplex that you occupy but I might caution that it's probably not feasible at this current time. 

I guess what we are struggling with is the anatomy of a good deal.

I lived near the Cleveland Clinic and accurately guessed many of my tenants would be nurses who slept during the day.

I guess I just need to continue analyzing deals to gain more confidence in my ability to distinguish good properties from bad.

The homeowner's insurance should cover it, but if there was deferred maintenance that had been ignored I'd guess the owner could even be liable for criminal charges. 

If we can't get enough fuel......guess what?