So it's really a judgment call, follow the exact law and you don't need it, or get it anyway to be covered just in case.I am not an attorney, this is not legal advice.

Just like not every area of the country is the same, neither is every city just in my area. 

@Justin Smits would like to have chance discussing with you for NWI market, thanks

@Justin Kane has the right idea, I would stay out of NYC for investment.Our state government is about to fire a missile right into whatever is left of landlord rights in the city: https://www.nytimes.com/2019/04/17/nyregion/ny-rent-laws-regulation.htmlMost of those bills, if passed, will make NYC and more punishing investment environment than it already is.

@Justin Crosby Thank you for sharing I am seeing on the following link from the local city government on all the ones that have setup conditional permits: https://lojic.maps.arcgis.com/...From the research I've gathered that I have done though there are plenty of Airbnb's live that are not on this?

I have ~ $10k to put down on something to still have some $ in reserve just in case (currently employed for ~ $33k/yr).I'm driving around looking at various cheap properties in the area as I find them on Zillow and seeing large contrasts in the area -- what many of you would refer to as C- to D areas and some B to C as well.

Thank you Justin and michael

Furthermore, but only just in case, I have created negotiable numbers just in case the seller doesn't budge on my original offer fee.

Justin Benton, Mark Manthai,

Originally posted by @Justin Hammond:@Jay Kukla how much $ does he need to catch up his loan?