the loan officer was really helpful and responsive, it was just a lot of paperwork to work through.i like @Jay Hinrichs idea of just paying cash and refinancing. 

**Disclaimer**: Being young, I don't have a lot of responsibility so I am fine with being more hands on now to be able to have more time to spend with family later on.My what: I'm looking to buy small multi-family property to house hack and gain equity quickly over the next few years.

Quote from @V.G Jason:I appreciate the well-thought-out response.

New to real estate but possess a deep understanding of the responsibilities to continue to gain knowledge and remain loyal with my clients and professionally with my colleagues.  

Maybe it’s making the world a better place, maybe he feels responsible for all the employees who have jobs that make their dreams and hopes come true?

You are not spreading the financial risk if you are responsible for all capital.

We hanve language in our leases to clarify who is responsible for certain damages depending on if the company or is the underlying tenant's name is on the lease. 

Chris,Thank you for the response, that makes sense.

I take full responsibility for ever having trusted a person so blindly.

Appreciate your quick response!