Avoid PMI and then go to a local credit union and get a heloc after closing to gift the money back.Have this as a tool in your tool belt but pursue use of the 3.5% FHA, knowing that you will be at a competitive disadvantage if you are competing with non FHA buyers, then you can call in the favor from your gift person.Just know that if someone gifts you down payment money, your bank will require them to sign a letter stating that it is in fact a gift that doesn’t need to be paid back.

If the software is not simplifying your life or making you more accurate, you shouldn't use it.Software does have extremely helpful features like online payments, marketing syndication (click a button, and your property is advertised on multiple sites), electronic document review/signing, maintenance tracking, and owner reports.

If you have a potential tenant that "might not" be a good payer, just don't sign a lease. 

Its doubtful that the municipalities involved would sign off on a condo conversion or subdivision, as their aren't many rentals in the area.

But if it were the real check why would the company use a hand-written font and then somehow digitally sign it with messy cursive in the same exact ink style as the typed font?

See what the $19k was for first, it may have been neccessary, but still that does not make it ok for them to do it without a signed CO.You can ask an attorney a few questions using sites like Avvo or Rocket for not much $$$.

The good news is that there are plenty of great CPAs out there including on these forums.We did have a conversation with him, which is why we selected him in the first place.

Also, if you approve them, make sure she is on the lease, and signs any rules and regulations you have. 

SPOA is an organization that I support. https://www.spoa.com/ Now I am very very careful when selecting tenants. 

I'm contemplating signing myself and my husband up for August's training... just nervous to take the plunge.