It could be money in your 401k or TSP that you could borrow from, if the need were to arise.So, either Navy Federal has their own overlays (although people from the East Coast seem to use Navy Fed to finance multis) or the loan officer you're talking to doesn't know what they're talking about, which is pretty weird, considering they only serve military people.  

If the tenant does not comply they will serve a termination notice. 

Just some food for thought.

You would be better served to collect quotes from a handful of foundation specialists then choose one.As for costs, it will be dependant on many factors: type of foundation; type of soil/rock; depth of underpinning / ease of soil removal; and your location.

This serves as them "buying out your 1/3 interest," with you getting payment now, but only transferring ownership of the property when they pay off your mortgage and take over completely in 3-5 years.

Mary is also correct, any PA licensed agent who is familiar with HUD can serve all of PA

I know that this comment won't serve you well in particular, but it may help a passerby who stumbled across this thread.

Knowing what you want to invest in is important.What deals and markets and returns are you looking for, and also the type of tenants you are looking to serve.

Serve the pay or quit notice when you say you will.

Then they are taking food out of my family's mouth and I will do everything in my power to legally get them out ASAPThis way I don't have to worry about violating the amount allowed for late feesIn reality the rent really is only 1050 so if they pay late I get a bonus.