@Sino U. feel free to reach out with any questions.

. - Fractional TIC loan: you can now own a unit in a building that isn’t classified as a condominium, yet from a financing perspective, will feel that way.

LTV & CreditEliminate the emotion and treat this like the business it is.In my opinion it does not matter who the borrower is as long as they have a track record of ATR (Credit)And I feel comfortable with the leverage (LTV)

@Shawn Mixundefined I agree Kirstin, Anderson isn't cheap but I feel much more confident and secure with them on my side.

I'm feeling that I am being milked and preparing to get my attorney involved if we don't settle this soon.

When I subsequently asked the tenant over the phone how many cats she had she said four, which is likely half the number she actually has, but is still a lease violation.At this point I feel like it’s pointless to even ask if the cats are neutered (and therefore less likely to spray urine on walls) because clearly she is willing to lie to me and her attitude seems to be that she makes the rules not me or the lease.

I like using these for just this case.Another item to consider is since this is a 2nd floor I wouldn't be that worried since the 1st floor will heat the 2nd floor enough to not allow frozen pipes.I would also talk to an HVAC person because I believe they can also put a device to cycle the heat a few times a day or even put a secondary thermostat in the apt to take care of the minimum issues.I feel for you because otherwise you have a great tenant.

I say that because every decent legit place I know of in market, yes offers the option of doing just tenant placement, for self-managing. 

Wishing you the best and feel free to reach out anytime.

Feel free to PM me.