I am in PA and yes, it is legal to charge late fees to your tenant regardless of Section 8 subsidies or not, provided the tenant's lease allows for them.

My mortgage increased earlier this year as my home owners insurance went up due to the company closing and my escrow didn’t have enough to make up the difference so I’m kind of pay check to pay check right now.

You'll want a title company/closing attorney who understands how to do this correctly.

Hi Derek, I am not sure of other companies where you can passively invest but as for Paramount Management I would stay away. 

See the chart from Fair Isaac Company (FICO) below: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% Source: Fair Isaac CompanyAccording to this chart, investors should use corresponding vacancy+tenant-nonperformance factors of approximately 5% for Class A rentals, 10% for Class B and 20% for Class C.To address Class C payment challenges, many industry "experts" are now selling programs to newbie investors about how Section 8 tenants are the cure.

The concern with places like Irvington will be once you move out and no longer owner occupy how do you raise rents legally.   

Required again as of 12/23/24 Appeals Court:"In light of a December 23, 2024, federal Court of Appeals decision, reporting companies, except as indicated below, are once again required to file beneficial ownership information with FinCEN.

I just reveled at a companys lead strategy that lead from the website directly to whatsapp.

I hired an IRA-approved valuation company to value that note at that time.

I’ve received multiple quotes from insurance companies (mainly I would obtain the quotes myself).