The only problem is that there isn’t a punishment listed on what will happen if they do bring in a pet.

Sellers need to be punished for not maintaining market rents.

My husband had a large family growing up, and the kids' response to anything damaged to avoid punishment was "It was Bill the Ghost." 

Everything has its place, it's all relative, and it can all make good money for people but are we all just gluttons for punishment or what? 

Like all of us POH gluttons for punishment, I like the revenue, but have all the vacancy (usually in the middle of the night) and maintenance headaches that the TOH proponents want to avoid.

And just so you know (not accusing you of anything) to lie on the mortgage documents and say you will owner occupy for 12 months when you do not, is considered mortgage fraud, punishable by up to 5 years in prison.

It is punishable under the UCMJ. 

This single fam had major roof and ceiling damage... probably a bit more involved than a newbie should undertake but I'm a gluten for punishment.

I want to avoid basing my finder's fee on the purchase price as that would punish me for buying low... 

The New York market is punishingly tough, and does very little to protect the interests of small >> medium sized landlords.