So…my questions are…-Could I have the LLC purchase the multifamily for me, or even just use my partner to purchase it for me (maybe add my name on the deed, but not the loan, or maybe the loan if its allowed) so I will have the property (where I will owner occupy) before the changes take effect in June (I believe)-If that is not possible, and because of my bankruptcy, will I have a chance at a conventional mortgage, if the numbers are really bad for going with an FHA with the insurance for the life of the loan-If I went with the FHA after the changes take effect, and I am stuck paying for the insurance for the life of the loan, will I be able to refinance later (conventionally, but at a potentially higher interest rate) to get rid of the insurance payments?

Thanks for taking the time to introduce yourself and share your goals.Are you studying for/going to take your license exam some time soon?

Even at a maintenance of $1000 a year the expenses, with everything accounted for, goes up  to roughly 34%. 

Our reason for going there is the fact that my father is two hours away from that location (he is a general contractor). 

I asked him up front if he was willing to pay a penalty for going over his time estimate and he agreed.

So what was your reason for going out on your own?

The fact that my upcoming "Podcasts 4 Patriots" theme song is this:  https://www.youtube.com/watch?

Found myself starting listening to the pod casts instead of same old songs on the radio.     

An argument could ensue where they feel you tricked them and didn't end up paying them for their effort.I think you and your husband have gone overboard and been overly kind to them during this entire lease...saving them $300/month, forgoing late fees, no deposit, referring them to an agent.

Are there any major pros / cons for going with a smaller community bank vs a "big bank"?