You can not ask what the disability or what the health condition is that requires them.

However, for somebody that has a good portfolio and wants to simplify I would argue that refinancing and reinvesting is not necessarily the ideal approach given the stresses that it can incur.Again, this is coming from a place of ignorance since I am fairly new to investing but I think the beauty of real estate is that you can make it as complicated or simple as you like and tailor your investment to your vision for your lifestyle so perhaps the one approach fits all mentality is what I am against.

Hello @Duane Smith I was previously licensed Series 7 & 66, Life & Health so you have a great background in terms of knowing what is required.

Before you all tell me to talk to a lawyer, if this is not flawed on the surface or illegal, I intend to do that next.Some of the reasons why we are thinking about this is that my father is elderly, but still in good health. 

She was very stressed out about her situation which included divorcing a husband with mental health issues.

There is zero health risk.

Your local health department may have information to help you implement a no-smoking policy.

If not, you may need to increase the septic to handle two family, per your county health dept codes.

I like the Trump investing mentality, you lower your risk when it is not your money at risk.

There is little chance that the current tenant will be able to purchase.... he apparently still has a renters mentality which will remain while you try to push this rope.