For the Note I believe is First in Time, I have found a Modification on the Registry of Deeds site. 

I usually break it down like this:A good insurance policy is vital to cover the majority of a real estate investor's exposure.

You'd most likely have to get the appraiser to remove that verbiage from their report (good luck) and then have the lender approve that modification. 

If the 'new' lease is after the end date of the previous lease, then its a new lease regardless of who is on the lease.Anything else is a modification of the current lease. 

It's a forced loan modification without regard to common sense in my book....

With some slight modifications to the main house, I think it could easily be two more units that are much more profitable than the apartment.  5200 total sq ft.  

I’m very conservative.Now I have the bug and looking to buy two properties a year for the next five years so adding other layers of asset protection is vital.

Has 85K remainder left on this house (this does not include 48K -Hud Partical Clear Amount+Partial Claim Amount due to laon modification 4 years ago, house almost went into foreclosure but I was able to bring it back on track.

I find it vital to success to surround yourself with like-minded individuals with a common goal, therefore I would love to get some insight regarding where investors meet, conferences, etc..

And if the borrower is cooperative or unrealistic or in a "protected" class, or whether they've tried a loan modification, all of those play a role.