@Kathy Henley - my employer doesn't allow it. there must be some loophole around it. 

If you pay cash to buy/rehab then there is a loophole called 'delayed financing' that allows for cash out refinance before 6 months, but only for the purchase price plus closing costs up to 70% LTV.

Sounds like a professional tenant who knows the loopholes which means you will just have to go the distance with the legal process. 

Loopholes?

How can we have an honest society when the basis of our law is to look for loopholes?

His parents didn't want him to sell for 4 years - is it slimey to try to find a legal loophole that would ultimately result in him selling?  

Tax benefits (depreciation, Real Estate Professional loophole, interest deductions)5.

These high ratio (low down payment) loans are only available to owner occupants, thus the requirement to make the property your primary residence.There is no loophole, the consequence of renting out the entire premises without satisfying your pledge to make the property your primary residence is called mortgage fraud.  

Most home warranties have too many loop holes and I am plenty comfortable on working on any mechanical system, well except for hvac.Thanks in advance

Hey Josh, I'm pretty sure it is, I just thought there might be some loop hole I was unaware of.