@Carolyn Morales I think I just joined your facebook page yesterday,I'm definitely interested in your techniques

The promise of benefit relative to tax is so strong that it introduces moral hazard into the decision-making process.

@Enrique Morales  You have what is referred to as a an ERISA 401(k), which is providing plan benefits to non-owner employees of your company. 

Is this "must occupy for 12 months" clause in the note restricting me from selling it before then, or is it just to limit me from renting it out.The second is moral/reputation.

That means it's as wrong to purposely leave off expenses so you seem more profitable ..." may well be true in your moral opinion (not in mine), but the law has no problem with leaving expenses off your tax return.   

You want to know if they have fraud, theft, or "crimes of moral turpitude".Holdback last 15% of the contract payment pending final walkthrough and final payment affidavit. 

Sad when money means more than morality.

However, they usually can't do much unless it's pretty clear-cut legal (not moral) contravention or misuse of funds.I would recommend on something specific like that, that you ask if you can get an eMail and save it) or something written to the effect they understand what you want and are trying to avoid.  

Unfortunately, a lot of this is due to the moral hazard of executives seeking to just increase company share price because that is one of the chief metrics of their performance (and thereby, their bonuses). 

Unfortunately, it’s mostly due to my primary home and not being able to put my fiancé’s income to factor it in (she does not want to go on my “adventure” of but and hold real estate).Does anyone have any advice with my predicament?