I suspect the person who originally turned it into a fiveplex only applied for permits to make a fourplex and then did the 5th unit fly by night (perhaps at a later date) in order so the property would still be considered residential and allow for better financing possibilities.

depending on where you are in NJ you might have the Lehigh Valley in PA a couple hours away, or Delaware, etc. you can go to meetups, see places in person, and start to build a network.

Yes, I'm a Property Manager in the greater Phoenix area.We are a mid-size property manager, large enough to have great tools and support but small enough to provide personal service.

There are quite a few solutions out there so that even the most tech challenged person can pay electronically.

These are good attorneys, one of them even spent over 45 minutes on the phone talking to me about options, as well as a personal discussion about fishing, so he clearly wasn't trying to dismiss me.If you have a case, you can file a complaint with the state commission.

I then flip for a quick profit to a local developer/builder who is willing to work with the town to develop the lot or if its a home run I invest the time & money to permit them personally and sell for 10% under retail.  

Real estate investing is forgiving; the average person can still make money even with some big mistakes.

And considering I think a person who puts in plain black and white that integrity and character of the operator are key -- and then does something underhanded and incompetent is just mind-boggling to consider -- so I'm only left with a negative feeling about the documents these darned attorneys dream up! 

Either way if you personally guaranteed the note, yes it will affect your personal credit no matter who the property is titled to.

If you've personally seen the applications and trust what they're doing on the front end to screen these residents it seems like this is an anomaly, at least for the 38128 property.