I took a tax lien attorney out to breakfast and he patiently answered my biggest question about risks.

Big burly guys that chew tobacco for breakfast, drive jacked up 4x4s, and probably have a scorpion tattoo on their neck.

Something like planting a tree or building a little breakfast nook or something.You'll get your "fix" while not gumming up the works.I used to like building a beautiful custom dining table that I'd just leave in the house with a little note like, "Welcome home!

Oatmeal for breakfast and no restaurants and you have the trifecta working for your savings rate.

I could not believe it when I saw an add for pre cooked bacon.

I wish I could own a bed and breakfast actually, but I don't have enough to get one of those.

Convert the Dining Room to a Bedroom and convert the Breakfast Room to a Bathroom. 

Hello BP:I have an interesting situation.8 years ago, a residential property was purchased by my client and converted to a bed & breakfast and has been functioning as one since.Client now wants to sell, and, due to the fact that good records weren't maintained, it's being sold/marketed as a residential property.Someone I work with in REI with quite a bit of mortgage lending background with underwriters advised me that whoever buys the home will likely have a very difficult time getting the deal done with a conventional mortgage, because during the due dilligence phase, the lender will find that the property has been running as a bed and breakfast, and therefore will shy away from it... even if the stated intention is to use it as a primary residence.Can anyone with background on how the risk factors of these deals are considered and underwritten, or knowledge of common underwriting practices shed some light on this?

They have tats from prison, chew tobacco for breakfast and drive jacked up 4x4s. 

It's saved my bacon a few times.