You also have to realize that even if you are not using the entire heloc limit "Some" underwriters still calculate the Maximum payment into consideration.There are some ways to pull money out of a Heloc and deposit it into a savings/checking account prior to application to satisfy the PITI reserve requirements.

You cannot contribute to an IRA for the prior year after April 15th.

I lived in it for 2 years prior to turning it into a rental property.

But if its spotted prior, well just get it removed. 

Prior to this I’ve lived here around 6 years and always paid my rent on time faithfully and plan on setting up auto-pay to avoid any discrepancies in the future but I honestly can’t afford to just give away an extra $370 if I don’t owe it.Any insight into the discrepancy would be greatly appreciated.  

The instructions for Michigan can be found here https://www.michigan.gov/lara/-/media/Project/Websites/lara/... 

So you may win that type of property, and then get foreclosed on yourself by the first lien holder when the prior owner stops paying that mortgage.  

I could make money 20 times faster when I do direct investment rather than syndication.These days actual syndication only gives 9-13% IRR max with potential of being wiped out completely 1:4 prior to covid and it's now 2:6/7 approximately after covid.not worth it in my opinion but that's my analysis but i do have lot of edge in what i do directly.

If you don't want to keep them then wait for 60 days prior to the end of the contract and notify them.Good Investing...

I live in one unit and the other 2 are rentals that had been rented out prior to 2023.