This entire time I've been trying to get a response from her, I can see how a letter with solutions that she can choose from could help.Thank you all for your feedback, it's been instrumental in coming to our decision.Chris

According to Chapter Four:"At least one borrower must occupy the property and sign the security instrument and the mortgage note in order for the property to be considered owner-occupied."

In theory, you could if you take contol of a fourplex via Sub2, Land Contract, lease option or purchase option (very little money but not no money, need money for upfront option) then you could season your rents or receipt of rents depending on the loan you're doing, and then refinance out of the control instrument or contract into a conventional 30 year fixed.You will need qualifying credit - 620 + ficos and cash reserves to qualify as a non owner occupied property. 

I have warned them numerous times about being loud late at night, (2,3,4 am), playing loud music, even called the police once to tell them to quiet down.Last Sunday, the problem girl had friends over, screaming, loud music until 11 pm.

Unfortunately, due to the military, we had to depart the music capital of the United States to a rather unique city, Richmond, VA.

I love real estate.I work in sales and all my real estate experience has been passed down to me by my mother, a 25 year veteran in the industry.You will often find me reading, working, or making music!

Do either of you have money in a 401k, IRA, etc or any other investment instrument that you can pull out for the down payment?

The bank person listed as trustee on the original deed of trust (assuming this property used a D-T as security instrument) would be the person with the answer... more so than the local banker, who is still important for approving the deal.

A cross collaterized mortgage, (encumbrance of two or more properties under a single instrument set) is not a conventional structure.  

This neighbor would be playing loud music, yard was wasn't maintained, and 4 or 5 cars parked in the street and driveway.