Okay this is probably a harsh and unfair comparison, but when I join calls of a large investing group that I am part of founded locally in Phoenix it reminds me of a problem I had with a property I own in E Mesa.

You cannot occupy the property on a DSCR loan, im not sure about hard money loans but to be honest I'm not sure why you would want to take on the harsh terms of a hard money loan for a house hack.These are investment loans, and for DSCR loans the terms are based on projected rental income and the lenders are calculating their risk based on how certain they are that the property will produce enough income to pay back the loan.

And even if it is a year long with time left, it is impossible to perform (the tenant is dead) so  I would send them a letter ending it with no liability (and if you are looking for the vacancy days from a dead guy that was there 27 years, that is a looking  a bit harsh) and forward all the mail.

I think the letter is a little harsh and threatening and could be reworded but I see your point too. 

This would include a discussion on licensing, usury, paperwork, and representations.Sorry to be harsh, but lending is way too easy to play these games, Martin A Philips.

@Dorothy Butala I apologize if my comment came across as harsh, it certainly was not intended as such it was just direct.

If it were to trade taxes would go up which would probably push it to 46% to 52% depending on how harsh they were. 

Sorry to sound harsh, but do the right thing. 

Thanks Ben for the harsh posts/blogs!

Sorry to sound harsh but I suggest spending a lot more time scouring the forums and watching a bunch of podcasts and webinars.