My numbers on that property are good now, although it took a year for me to sort out exactly what we wanted to do with it. 700k duplex, single story, about 2,500 sq ft total building size. 1500 sq ft for the 3 bed/2 bath with pool and 1,000 sq ft 2/1 small private yard on the other. 

BoA is fine for this sort of setup.. but consider a local credit union in San Diego for lower fees and simpler sub-accounts from what I’ve heard.

This is the type of response I was looking for - some sort of explanation as to why my property was being denied coverage. 

You are sum total of the people you surround yourself with.I am a Tardus paying client, none of us that recently posted get any sort of kickback or referral fee for talking about our experiences on BP (although I do believe there is a referral bonus if you refer a new client...but it is nominal enough that no one is trying to bring in new members soley for this bonus). 

That sort of difference in expense with turnover/vacancy means that the approach to tenant retention means something different to the business.

So when you add up the 'homeless' and the 'unsheltered' you actually do get 51%....Look, we can split hairs all day long and argue "well by this metric it looks...." blah blah blah..... 

I think there’s some sort of option of to do a little refi on both house 1 and 2 and get the money needed to wipe out the line of credit(allowing for bigger flip opportunities, especially if I partner up with someone) and also renovating that garage space with the private investor as long as it is under 1000/month.

I'll reach out and see if any would be willing to offer some sort of mentorship. 

If the costs for home buying goes up for first time home buyers then the results will probably be that less starter homes will be moving in the market unless non profits and the sort step up.

Good luck getting this sorted, I hope it’s a smoother process from here on out!