You should have masks with you at all times for environmental pollutants when looking at hoarder houses - animal feces, dead animals, asbestos, gas, etc.As for protocol, hoarder houses are not an easy buy because if the resident is still there it's not a money issue, it's an emotional issue.

. - If you are NOT buying the property as your primary residence (in this case, it sounds like it will be an out of state rental), you are looking at putting 20% - 25% down if you are going to use a conventional mortgage.

I am a non US resident investor.

Primary residence, 2.

Investment Info:Single-family residence buy & hold investment.

I have equity in my primary residence and some non retirement savings (but hesitant to dip into that… ) Interested in hearing your responses!!

The rule I was told from the planning folks is at least 0.25 miles from existing STR and at least 250ft from nearest residence.

If you refinance it as your primary residence, then yes, you will be signing a new Mortgage at closing that says you intend to occupy for 12 months, essentially resetting your clock to another 12 months.But here's the huge kicker.

My primary residence is central PA but split time between New Hampshire, Central PA, Central Jersey, and NW PA.

Without going into too much detail, we had a mid-rise apartment building in our downtown collapse a little over a year ago which very sadly killed 3 of our residents.