If the answer is yes to both questions, I can almost guarantee the 20-25% equity your appraisals suggest you created will never be realized and is merely paper equity.

Quote from @Matthew Paul: Quote from @Peter Walther: Quote from @Matthew Paul: If the man wanted to he could sell the house and keep the profit  Are you willing to insure the OP if she buys the houseWithout seeing the divorce decree , no , BUT if there is nothing in the divorce papers and he is solely on the deed , and the ex wife on the loan by herself , He is the sole owner of the house .

They would say come in and sign the loan papers on Monday.  

On paper looks great, in reality too much hassle, not as great quality tenants, and what you're seeing: too much competition. 

Though the leap looks easy on paper, it's scary when you try to put it into practice.I’m here to build my network, learn from experienced investors, and get insights on navigating the world of real estate.

Also check local news papers TV for large companies moving to the area.

ESA are pets with papers and clearly the ESA isn't needed if it is left at home for hours at a time. 

I've read through everything everyone has said, as well as carefully reading through the sales agreement and the final closing papers (that I did not sign but requested from the title agency)...

At settlement what is sold is the beneficial interest in the trust rather than the property itself.On paper the lender just sees a common estate planning tactic rather than a sale of the property.

@Sarah Taylor From a tax perspective, you would lose the STR tax benefit if you expect paper losses from the property.