Hey @Russell R Massey, I'm happy to connect you with a super-smart Georgia real estate attorney I know who can give you the answer.

Quote from @Kumar R.: I heard some realtors say that they want to make sure that their customers do not have a bad experience more importantly than receiving a bonus. 

R-20) requires use as a 'single family' residence... not 4 people unrelated for a commercial purpose in a single living arrangement.

I've used them (not sure if I can name, but starts with an R and ends with an A) on about 6 or 7 of my deals so far and its true 100%, no money down financing.The only catch is that they cross collateralize against other properties you own - including your primary residence.But they close and are very thorough.Their appraiser and rehab inspectors are very good too.

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I chose R Income, then from there I chose the number of units I am searching. 

I obviously he r a long way to go, just making a 10 year plan..

Central bankers like to talk about the so-called neutral rate of interest, R-star.  

V/r,Elias

I've always been curious on this one as I run into a ton of folks that did taxes incorrectly on turbotax/h&R/etc...and for the question, I think reaching out to a local CPA or to Michael above and just paying for it may be far easier than trying to deal with the IRS yourself.