By the time their information gets to you from PadSplit, they've already had their background checked, income and employment verified, and their eviction history has been checked.

Most postal carriers have enough common sense to recognize which box is for unit A and which is for unit B.

It’s a very common misconception.

The most common is to move in family or a rehab extensive enough that unit cannot be occupied.  

We use a YTDpaystub and last year’s W-2(s) to calculate income several different ways:Hourly or salary income calculated to a monthly amountYTD income divided by number of YTD monthsYTD + W-2(s) income divided by the corresponding number of monthsIf these numbers vary too much, then we investigate and require an acceptable Letter of Explanation.Employment StabilityUnless an applicant has exceptional credit, we strive to determine their stability of employment to make surethey’ll always be able to pay the rent on time.

Being that your brother lives here he must show he has employment here in NY he will be good for the loan using FHA.

Acting like a broker dealer is scarily common.

As I understand it 100% deduction on expenses that are soley related to the business or the rented unit, 50% deduction on expenses that relate to the general property as a whole ( mortgage interest, insurance premiums, common area repair expenses).

Roots are very common in cast iron as it slips in between the joints.

Is that common?