The credit committee is usually made up of local people who are familiar with the market they are in.

Really your reply is the kind of thing that has made Bigger Pockets so valuable for people like me with more limited access to a broad range of more experienced professionals.

In the “old” days, people would have the seller pay the lender so as to not “alert” the lender that a property sale had taken place, so that the lender def wouldn’t trigger the so called “due on sale” that’s a part of almost every mortgage or deed of trust document.  

. , I didn't want it to loose that tenant so simply i helped him to get " energy assistance" this is a program to help people out if they can't afford heating bills , I don't know if it is in your state so you my want to check this out.

For a first time investor, I definitely recommend house hacking for most people as homeowner loans are by far the best in terms of rate and LTV. 

Most purposes that people on the BP forums are transferring properties to an LLC, would be exempt of the Due On Sale Clause. 

A lot of people negatively arbitrage their 30-year mortgage, after taxes, if they keep money in a high yield savings account instead of prepaying their mortgage, because the savings account pays 4.25%, and their mortgage rate is 3.75%.

Checkin with people after they arrive to make sure everything is good with the house.

At least I assume you are an expert on OH so you’ll do better than the people who are already investing there.

We are planning to purchase a home and convert it into a community living space for people in recovery.