If you're refinancing to a business purpose loan that's totally fine, but chances are good you'll need a lease in place for the unit you were occupying so the lender feels confident that it's strictly going to be used as an investment property.

There's a very good chance the issue(s) you face have already been discussed and answered.Ask questions in the appropriate forum.

So in fact, I have the place rented (was going to show it to others on the slight chance they fell through.

There's a good chance the issue(s) you face has already been discussed and answered.Ask questions in the appropriate forum.

Instead of a penalty system, perhaps a warning system could be more effective, giving members a chance to correct their behavior before being fined or banned.

Chris, Agreed & I see a VERY low probability that interest rates will be in 4s or 5s in 2025, so those deals with variable rate debt will likely continue to bleed. no chance rates will be in the 4s  potentiall higher or mid 5s though.. we just locked in a 6% so getting close. 

I would NEVER pay for a title report on a property because 98% chance it wont go ..

Well, of course it was a chance I had to take for the benefit of myself & my family, and it panned out - but part of panning out is knowing when is "enough", as Vicky Robin puts it. 

Martel, is that CommunityAmerica by any chance?

So right now is a chance to nicely position yourself when this occurs.