@Aaron Raffaelli, I’m sorry to hear that you are having issues qualifying.

It is highly specific, my recommendation is to contact the city directly with qualifying questions or have us do it for you :) In general Astoria is also a No-Go with the exception of commercially zoned properties.

With a properly written and qualified wrap note the seller of the property (that is the holder of the wrap note) still has an interest and an asset they can sell.

We’ve only foreclosed on a few properties, all without issue, so I’m uncertain what qualifies as 'airtight,' Jonathan.

This lets your HSA grow, and since qualified withdrawals are tax-free, putting more aggressive investments in an HSA can pay off in the long run (similar to the “put your risk in Roth” idea).4.Rollovers & Debit CardsMost brokerage HSAs come with a debit card, so spending isn’t too hard if you ever need to.

Whoever qualifies for that probably won't need them.Yes many GPs have experienced hardship but you can see those who really care about what they are doing and those who don't.

I’m not a first time home buyer but wife would qualify, I want to put down less than 10%. 

In any event you can see what the SEC thinks of modernization here:https://www.sec.gov/news/press...I have read of late that small family offices can pool non-accredited investor money to qualify that entity as an accredited investor. 

My thoughts would be to discuss it first with the township, then have a qualified investment savvy realtor tour the home, get you a CMA on the current property and ARV to compare.

I highly recommend a well-qualified REALTOR who works with investors and knows how to help you best.7.