The house in question is located in West Milford, NJ and is a 1963 3 bed 2 bath split level on a pretty level .25 acre lot right outside of town center with natural gas but septic, well, etc.

Mortgagee is preferred, but either term is acceptable.Additional Insured puts you at the same payoff level as the borrower.

But since she keeps tuning off the AC, even after me telling her otherwise I feel like waiting for her lease to end might do more harm to the house with high level of humidity.

So be sure to keep a "read" of there comfort or discomfort level. 

I wanted to add to the Why, should a investment property buyer use a DSCR program over a Full Conventional purchase or refinance, as we do all programs, whether for a primary, 2nd home or investment property.Currently Full doc loans, meaning using tax returns (2 years) for qualifying can be tedious work and interest rates are higher compared to our DSCR products, since on Fannie Freddie conventional loans require LLPA's ( loan level price adjustments) added to the base rate.

You can just look for houses you like and run the numbers rather than focusing on small areas.As far as AirBnB, our market is fairly saturated so you really have to operate at a high level to stand out and/or have a really excellent location. 

At this point we get a discount for an accountant level and for the simpler entities use the new basic level.

Idiots with cash overpay and it prices out the smart investor.You'd have to acquire properties at the auction/sherif sale level. 

This program could certainly be beneficial for house hackers, but on a policy level, it’s likely throwing good money after bad.

What type of real estate are you purchasing in CA and most importantly  can you articulate the dispute you believe will rise to the level (with appropriate standing) to be litigated and benefit from being litigated in DE?