@Melanie P.1) The caseworker is supposed to approve all HAP contract amounts, but otherwise, who is realistically going to take the time to investigate and how are they going to prove it?

And does Congress approve this spending?

My duplex - built 1989, 2,060 sf, 2 bed/bath, 1 year old roof, value if I subdivide (county already approved) and sell each separately $150k each ($300k total)Investor duplex - built 1995, 2,300 sf, 2 bed/bath, 5 year old roof, value around $310kThe investors initial request was for an equal trade and they would pay realtor fees, which I replied wouldn't be equal due to buying/selling costs (recording fees, title insurance, closing fee, survey, inspections, loan fees, 1031 fees, accountant fees, repairs), taxes would increase due to new sale price, I'd trade a 3.75% mortgage for a higher one, and I'm on the 10th year of a 30 year loan so resetting that to a new loan would restart amortization and pay more towards interest.

Once the application is approved, we use Buildium to create a lease and email it to the tenant for electronic signing.

You may get EXTREMELY lucky and find one for 15% (if they get approval from management), but you will not find one for 5%. 

I’m approved for a mortgage and want to house hack but doesn’t feel like the opportunity is there at the moment, but I also know that’s a limiting belief.

I have had a couple of clients just get the loan approved with the long term rates and then the bank really doesn't care how they get it rented out after.

With strong rental demand near hospitals and colleges, plus California’s pro-ADU laws making approvals easier, this strategy can be a game-changer.

To minimize delays, it is important that you get approval to be a section 8 landlord from each housing authority.

Personal loans through the credit card companies can be approved and fund very quickly and my best rate is 7.9% so shop around as some are much higher.