is it hard to get denied with a high LTVthanks you Excluding down payment and similar purchase-specific requirements, as well as time-specific issues associated with sellers/agents, the refi mortgage process is substantively similar to the purchase mortgage process.

Both have their pros/cons.The journal Square area is good and you can get into NYC in under 25 minutes.I think the area has already experienced significant price increases over the past couple of years.Live-in-flip is good cause you are looking at a property that needs to be fixed up which can translate to a cheaper cost compared to a house in excellent shape.You are also eligible to exclude a portion of all of the capital gain if you live in it for 2 years and then sell.You would need to keep track of all the repairs/improvements you make to the house.A con would be is that the house has to be in habitable condition prior to purchase otherwise a bank won't loan on it.

Land $600,000/ Acre FAR: 0.33 per acre Construction costs (buildings only) $150/ square foot Land and infrastructure improvements $25,000/ acre Fees of $20 per square foot Soft costs 20% of all costs excluding land LTV of 80% Mortgage 25 years 6% Debt coverage 1.25 Needed return 10%---Front door Analysis.

If it were me, and mom could sell for little to no CG tax, I'd help her sell and move to a place with lower cost of living and housing costs and invest the rest for income.You are correct that the individual can sell the house and potentially exclude a portion of the capital gain if they lived in the house for 2 out of the last 5 years.However, remaining mortgage is not used when calculating the gain on a house.Gain is selling price less adjusted basis. where adjusted basis is original purchase price + improvements - depreciation.

All of the policies I've looked at exclude contractor tools with the expectation that they carry their own coverage.The other insurance question is liability coverage. 

When I look up the ordinance, under San Jose’s new 2017 law, it says landlords must demonstrate one or more of the following grounds in order to terminate a month-to-month tenancy: Nonpayment of rent (excluding rent withheld as permitted by law).Material or habitual violation of the terms of the tenancy.Damage to the rental unit.Refusal to agree to a new rental contract.Nuisance behavior.Refusing access to the rental unit.Unapproved subtenants holding over after the end of the term.Substantial rehabilitation of the rental unit, subject to certain conditions, including payment of relocation assistance and refund of security depositRemoval of the tenant under the Ellis Act, subject to compliance with the new relocation assistance requirements (see below).Owner move-in, subject to payment of relocation assistance and refund of security deposit.Governmental order to vacate.Vacating an unpermitted rental unit.So it seems like you can use these 3 as a tool for getting rents to market rate:Substantial rehabilitationEllis ActOwner Move in Are those the tools you're using?

My family lives a comfy life with eating out about 2-3 times a week and buying things if we need them but the debt excluding mortgage related eats about 47% or more of my monthly income. 

I realize that I am excluding tax advantages like depreciation, but my head is ready to explode as it is!

Excluding the Single family home, the rent roll for the 12 apartments in January 2018 showed rents ranging from $520-$650/month, two vacancies, GRI of $5655/month ($67860 per year).

I will begin by stating that the rehab went over budget as I decided to test out more durable materials such as using Life Proof Flooring throughout the entire home excluding the bathroom.