Sorry for the following Contrarian advice, but you're not a 5 year old so:The only reason to buy a personal residence (Home) is because someone is forcing you to.Usually, this person is called your Spouse (which is Latin for someone who forces you to make horrible financial decisions then criticizes you for them endlessly:)perhaps DON'T buy a home, just rent something affordable and invest the 20% or in your case 50% into the stock market (sp500 16.1% yearly return last 15 years, 11% last 50 years, 10% last 125 years)remember, your RENT is your maximum monthly housing expense, but your Mortgage is your minimum or starting monthly housing cost, it always goes up from thereI've, owned 2 personal homes, 100% appreciation in 6years on #1 and in 7 years on #2, (I timed our market perfectly both times), with 20% down and very low mortgage rates, but after honestly calculating all expenses, only made about 5-6% a year "investment wise".

Through rent increases, forces appreciation with $300k you sure can produce cash cow properties.   

You should only consider switching when your current software has a significant flaw or lacks features that force you to spend excessive time on workarounds.

What forces more equity growth (addition or division)?

You should only consider switching when your current software has a significant flaw or lacks features that force you to spend excessive time on workarounds.

So, they could also force the municipality to pay them some profit that way as well since those sales usually go for more than you might think is market rate.

For instance my 90 lot subdivision at one point I had 90 legal descriptions and parcels on one master deed.. as I sold them off we just deeded them out separately.. its super common especially in older platted cities were lots might have been small like 25 X 100 and someone bought 3 of them and then built one home on all three.. some places they force merge them others you can go back and recreate the Old lots of record.. there is millions upon millions made by those that know how to find shadow plats and bring to life underlying parcels.

However, if the collateral is real estate and you need to seek the forced liquidation of the collateral (foreclose) you'd better understand and plan for all the issues that rehabbers deal with after getting possession.If you own a note in junior position such as a second, you have the further expense and exposure of monitoring the senior mortgage and factoring in the potential cost of advancing funds to keep it from foreclosing you out.This thread is about training.

Your boss seems to be extreme with this and won't change - unless you force it.Why don't you make a list of everything you do each for a week?

You are required to file a complete and accurate return, which means reporting the income that you earned along with atleast the direct expenses that you incurred on your rental.There are two comflicting forces - Your tax accountant wants to be aggressive with deductions because it will entitle you to paying less taxes(now or in the future).Your lender wants to see as much income as that will increase your Debt to Income Ratio(DTI).The good thing is that you can speak with your lender about 'one time expenses', that were only incurred in that year and are not reoccuring.