Adding insulation could help.Usage: If the tenant is using a lot of hot water, it could simply be that the heater is being stretched too thin.

I find that hard to believe, but you can always call HR and simply say you are trying to confirm if X works there and not say why you need to know.

If you want less leverage simply put down the funds you would use to pay down the 6.4% rate on the new property so you are at say 60% loan to value on the new house.

You would then simply transfer it back to the named borrower.If you wanted to decrease the DOS issue, you can transfer to a revocable trust with the entity as beneficiary. 

The first was with Amguard, who said they were simply pulling out of the market, and then the more recent one with Progressive, who said they are no longer offering coverage in the area.

Find those sections in your docs and file suit...it seems you've tried the nice neighbor route, so you need to simply press the issue legally now.

Simply put the concept of live in one unit rent out the other is not a strategy, there is much more to successfully house hacking in NJ. 

-Transfer the property into an LLC – This may allow me to take ownership while potentially avoiding property tax reassessment, however this sounds like an involved process-Establish a living trust for my aunt and mother – The trust would specify that I inherit the property upon their passing and provide step up in cost basis but i'm worried that the living trust can be modified to have me removed (who knows what can happen) - My mother is somewhat volatile.I would like to live in the property and my mother will live in her second property with her husband. 

General tax preparers tend to get less complicated returns and some are quite good with these returns doing much more than data entry.Not all CPAs get it right and they can become guilty of simply entering data without reviewing, analyzing or clarifying situations especially in a long hectic tax season.

Then when they hit comfort level, they choose to simply keep the properties long term in their own portfolio.In my opinion and experience, the faster you get into multiple properties, the faster you reach your goal.