It is my opinion that you should sign a RE-14 at some point in the journey and definitely before putting in an offer.

Wow..talk about jumping in 💪🏼I will definitely be taking you advice 🙏

Lending as a whole is doing well, but there is definitely more risk in the lending ecosystem right now as borrowers stretch their numbers and get aggressive on margins to keep turning deals.

I don't hear too many investor doing ground up multi-family for house hacking in the area, so this is definitely interesting.

I'm not saying it isn't challenging or hard work because it definitely is. 

We have some decisions to make and this info definitely narrows down our choices.

You might consider: Consulting a Real Estate Attorney – Your emails may possibly prove misrepresentation.Requesting Public Records – A FOIA request might reveal why the city denied you but later approved the duplex.Escalating to City Officials – Bringing this to local officials could expose inconsistencies.Exploring Tax Write-Offs – A CPA might help offset your financial loss, if it is possible.I’d definitely seek legal advice.

Private money by definition is a private individual - they set their own rules for engagement and appetite.

Please note the information provided below is a layman's definition designed to provide a basic understanding for the general audience.

That’s a great move—starting early with analyzing deals will put you in a strong position when you're ready to buy.Since you're open to other markets in the Southeast, I’d definitely recommend taking a look at Chattanooga.