Some people going into MF, pick up a duplex and then only break even, maybe they feel guilty and that they don't deserve to make money from the property they're living in but what ever the deal is, make money on it every month. 

The nice thing about money is it does not talk back, tell you what to do or make you feel guilty. 

The issue is, this is a criminal case that I was planning on pleading not-guilty too. 

I feel guilty for turning him down.

You should never feel wrong or guilty for making a nice chunk of cheese on a property.

I'm not even going to share the idiotic name my firm was thinking of giving to HomeReady with lender paid PMI, but yeah we're guilty too.

I am finding myself priced out of the deals in my area and then am guilty of analysis paralysis about where else to look.  

If they told you the truth, they'd be out of business, they'll tell you what they want you to think, yes, some will flat out lie, probably plead ignorance, you can bet their tail is covered.

Time to plead the case, Court time for tenant to evict, and then a Writ of Restitution to remove the tenant from the premises if they do not leave.

Guilty until proven innocent on residential loans is how many underwriters do things.You do not have a long history yet of work and the work you do have is seasonal along with you want FHA with little to nothing down.