A resolution might involve a refinance or buyout agreement to remove her from the mortgage, aligning ownership and liability.This post does not create a CPA-Client relationship.

Lessons learned include the value of building relationships, seizing off-market opportunities, and leveraging cash with private lending for flexibility.

With Tampa's strong rental market, house hacking can be an excellent way to start building wealth.Good luck!

Quote from @Steve Holt: Has anyone had a successful relationship with BongoStays for either furnishing your STR property or management of that property? 

I am hoping to find a lender to build a long term relationship with and purchase roughly 25 properties in the next 4-5 years but am having trouble finding a bank in the area that works with out of state investors. 

We purchased the home with FHA loan at 2.75 %Our rate is excellent but we are looking to purchase our next MF and need some advice on how to get into it.I know Fannie Mae has a 5% down MF loan program as long as we move into it.

Based on your comments, you are at risk of  gravitating towards the lower tier neighborhoods where the spreadsheets will suggest cash flow is better but excel spreadsheets don't tell the whole story. 

Hey James, If you plan to invest out of state I'd recommend visiting the market you plan to invest in so you can start to build relationships and familiarize yourself with the area.

More than happy, to turn this into a positive relationship with you.I’m here to help everyone—including you—achieve more success with motivated seller lead generation, wholesaling ethically, running a business, and any other areas where I can share my expertise.So, I propose we put this bickering aside and focus on providing real value.

Legislation changes over 20 years and that affects your relationship with traditional lenders.