I provide affordable, safe, and fully functioning housing, and they give me rent payment in exchange.

My portfolio is too small and the cost in CA too high to justify a LLC, even assuming that it will function to protect me if/when needed.

Perhaps okay for a single, but for a father with other outside activities, HD is a major interference with life.I tried to get a specific evening excluded from my shift rotations and they said no. 

Its not like I am giving away a fully functioning renovated duplex..

The mortgage debt can be discharged as a function of the plan which means the debtor no longer personally owes on the debt.  

In 1996 at the age of four, my son was diagnosed with a neurological condition referred to as high-functioning autism.

I think your idea of an SFR, functioning as multi-family is a great one.  

It is more expensive then in wall hose/flex duct.Are you considering doing it for aesthetic reasons or for a functional reason like you can't run the duct-work through the ceiling trusses?

So, if you have a 1950's property that is ugly but functional, bank financing is a viable option. 

To help lenders navigate the TILA-RESPA Integrated Disclosures (TRID) Rules, theMortgage Bankers Association (MBA) just released a resource guide written by two of the industry’s top compliance experts, Richard Horn and Ballard Spahr.Jeffrey Schummer, MBA’s Vice President of Education Development says, “TRID is 1,888 pages in length and affects every business functioning in the single-family mortgage market.