PMs are human just like the rest of us.

However, the seller claims he purchased the property as a two-unit dwelling based on Baltimore City public records, yet it’s not legally permitted as such.

Then I donate the toilet to the local Habitat for Humanity Restore for a tax credit.  

Toward the end I had an NOI of $450 a door on class C properties (which is the overwhelming majority of Burlington).But …There’s a human-side that has changed dramatically.  

In the parlance of the Federal government, such loans are called loans on one-to-four family dwellings.

Lead Certification billed per unit $200-$400  (depending on company you use) every 2 years3.HVAC Certification Billed per dwelling unit $100-$2004.

Its just human nature to buy or change lifestyle as one gets more successful but not at the expense of pilfering the projects. 

This is why people don't like renting to friends/family because its human nature to mix emotion into the decision making and that makes dealing with managing the investment messy when things go sideways.

Here's what I find most interesting.Section 29-35-103(2)(b) of the ADU law says Colorado cities can NOT "require an ADU or any other dwelling on the same lot as an ADU, to be owner-occupied."

Even though this wouldnt be purchase money financing, ultimately your loan would be secured by a dwelling, rather than by real property owned by a commercial entity for transactional purposes.