Yes you are giving up a rate that you probably aren't going to see again anytime soon, but as long as you aren't locked into an extensive penalty period you can always refi again if rates plummet to the point that it makes sense to do so. 

Properties meeting at least one of the following criteria will not be eligible for Citizens Personal Residential Multiperil coverage:Rented to guests more than three times in a calendar year for periods of less than 30 days or one calendar month, whichever is lessAdvertised or held out to the public as a place regularly rented to guests

does GA have 1 year redemption period? 

Purchase price: $150,000 Cash invested: $150,000 Sale price: $187,500 Flipped approximately 550 homes over this time period with an average spread of approximately 25% What made you interested in investing in this type of deal?

What I recommend is looking at it over a longer period of time like the previous year to evaluate it.

Tools like Cozy or Buildium can streamline processes.Understand Legal Obligations: Stay updated on Colorado landlord-tenant laws to ensure you're compliant with security deposits, lease agreements, and eviction processes.Effective Communication: Set clear expectations with your tenants about communication channels and response times.Regular Inspections: Schedule periodic visits or hire someone to conduct property inspections to catch minor issues before they become major problems.Final ThoughtsWeigh the pros and cons based on your circumstances.

If you have a partnership structure or some other facts and circumstances around the loan that indicate you are extending it in the capacity of a trade or business, it will be considered ordinary income.Keep in mind that the tax rates will not differ between ordinary and passive income unless you sell the loan for a gain/loss.

Is this simply stating that for that time period I cannot disclose this or any info from their firm for 2 years? 

If there is a strong offer with high down payment and good purchase price and fast closing or fast inspection periods and no closing costs requested, reach out to the Loan officer and ask any other questions which will not break any laws.ALSO - ANYHING CAN BE ENTERED INTO THE SYSTEM TO MAKE THE DU LOOK SUPER SWEET SO IT REALLY DOESN'T MEAN ANYTHING IF THE LOAN OFFICER IS BEING DECEPTIVE. 

if after 48 hours of “bank hold” or NSF on end of tenant, and timeframe is already beyond grace period, late fee or returned chk fee gets applied.