Hello Jorge,In my 25+ years as a real estate broker specializing in multi-family sales, I've only had to challenge an appraisal once.

I am going to be lending to an investor on a single family home.

I read that one of the requirements for getting your second FHA loan is having a change in family size.

I've had qualified renters move into a rental, add their bum friends or family members, and then disappear, leaving me with bad renters who weren't approved and aren't on the lease.The best practice is to screen every adult, approve them, and add them to the lease. 

All but one of the family members are on board, and we collectively own the majority, but it's 55% and the bank requires 60%.

Investment Info:Single-family residence buy & hold investment.

U need to flip the return  75% to the money and 25% to you if have any hope of finding someone to do this that is not friends and family.. 10 to 15% is way to little for the risk of being a gap funder.. if the project does not work gap funder is the one who loses money..

C) This is not a real estate holding but a generational investment in our family memories.  

Thank youJim I own a two family in Southern CT.

We do want to settle in a little bit here while continuing to do our homework, but hope to get into something in the next 6-12 months.With the way interest rates are looking now and what little I see on public listings, I think a smaller multi-family that needs a little rehab would be the best bet.