If he pays his rent, you've just wasted your time and a stamp.  

Just make sure you think out that strategy before sinking too many stamps into owner occupied.

Plus, you can call a local lender and ask for a Loan Estimate for an FHA purchase based on the sale price in question.Lender's origination feeDeposit verification feesAttorney's feesThe appraisal fee and any inspection feesLender's origination feeCost of title insurance and title examinationDocument preparation (by a third party)Property surveyCredit reports (actual costs)Transfer stamps, recording fees, and taxesTest and certification feesHome inspection fees up to $200Allowed in an FHA refinance loan are wire transfer fees, courier fees, reconveyance fees, and fees to payoff bills.

Am looking to build a cottage home and need some plans drawn up and stamped to get permits.

I buy bulk envelopes for cheap on Amazon prime, print letters at my day job (free paper and ink) so my only real costs are the list itself and stamps that I'm buying by the roll a few times a week at the post office.

You could do your own marketing (printing, stuffing, stamping, and mailing) letters yourself or you could have a company like YellowLetters handle your campaigns.

I have in my possession a warranty deed signed sealed stamped ready to be filed before I file the deed signing the property into my name there is an existing mortgage on the property in the sellers name I want to know if I file the warranty deed will I then become responsible for that existing mortgage which is not in my name but the property is.

Doing things the right way will let you actually buy more houses while others are licking stamps and wasting ink.

I drive for dollars ( looking for vacants or for sale by owners) also when I'm  looking up an address on the tax appraisal I check every address that pops up and usually look for out of towners who have  had a property for 8 years or longer ( its a way to get free leads for me).I'm in jacksonville yellow paper 50 sheets $1 at dollar tree, envelopes small size 80 $1 at dollar treepost stamps 20 for around $10 or 100 for around $47 ( just say $50 to be safe)gas $10 don't be afraid of war zones ( lots of vacants and some buyers do buy for rentals in those areas).

BTW, FL has a sate transfer fee (i think that's the docs stamps above) that makes the closing cost a bit more expensive in FL vs. other states.Dani