My big concern however is for whatever reason defaulting on a HML.

It's not a concern if you are already financially free of the W-2 job.

.- overall "damage" is very minor as it will involve cleaning up after her, taking out her trash, and carpet cleaning throughout ($200) to get cat puke out of carpet- odd note was that she has a huge real Christmas tree which she left....who buys a Christmas tree if they intend to leave - confirmed via talking to her mother (emergency contact on my pet agreement) that she has moved to a new rental property- I have not filed the 3 days quit or cute as I'm concerned that the terminology indicates (perhaps I'm reading to far into it)that if she leaves the lease will be terminated.

My concern is how to handle utility bills between two units without a disagreement.

We appreciate your interest in our organization, but surely there is a bitter way...I meant better way to spread the good things the DC Landlord Association is doing & address your concerns.

Im new to real estate investing and have a question concerning my first property.

Unless you can find somebody that isn’t concerned about all the regulations surrounding consumer loans … not suggested.

I was originally concerned about losing my entitlement but that’s not longer an issue, it seems.

If you are concerned about protecting principal and the next downturn hits, you will want to confine yourself to these types of loans.

Third party bids coming in at half of what you’re offering would be a concern to me.