You can do what Real T does and only allow foreign investors:(

It just caused me more stress than I needed to be honest.

When I bought my second house hack, I was in way over my head, created more debt, and stress.

Although Im only an insurance broker, I work closely with the homebuying industry and the stress is real!

The rate difference between FHA and Conventional is actually over 1% right now for Multi family propertiesCurrently the rate offered is 6.75% and 193/m in PMI (private mortgage insurance)That makes the payment with taxes and insurance roughly:$3453/monthTaxes were $3820, and insurance is $1800/yrCurrently this building can rent each 2 bed unit for up to $1800/m with tenants paying all utilities.All in cost to close is: $71,414.64If you rent both units for $1800/m you can expect gross cash flow of $147/mThis is the reality of buying a turn key duplex in the area using todays rates and prices.I want to stress, that this is actually considered a great property and deal in todays market for the areaYes, prices are high, and so area rates...My goal is to show what is actually going on.

For someone like yourself, you would likely have no problem meeting the requirements and likely exceed them with no stress of being audited. 

She is really a good tenant, and if she doesn't want to add her new boyfriend as occupant, I'm not sure I want to stress the situation since rent is being paid and place not being destroyed.Anyway, the main issue is how should the return of deposit be handled so appreciate thoughts....

Also, they should stress-test their properties to handle any potential equity changes or loss of rent.

Quote from @Eric Goldman: if you can find a good deal and if it needs work be able to do it your self, sweat equity, you will make out alot better then finding on MLS and hiring contractor. this is given for any market, but i stress that this seems to be the only way in bucks right now.  

Do you think you optimize towards your self stress/sleep at night?