Hey @Shaun Miles , welcome to BP!

@Shaun Reilly Thanks for the killer info.I have a house inspection tomorrow for a re-fi on my house or I would jump on that Chelmsford meetup (I still might).

Shaun can't totally agree there, you may be familiar with your institution, but we try to speak on a wider national spectrum. 85% LTV on a SFR will have PMI and they too want skin in the game, PMI goes away generally at 80% LTV.

@Shaun Reilly I am all open to suggestion.

Congrats Shaun on the offer acceptance, and hopefully your 4 unit will be a great first step.Keep learning, you are on the right path.

@Joel Owens , @Ann Bellamy ,@Liam Goble , @J Martin , @Darren Sager ,@Shaun Reilly , thank you all so much for the encouragement.

Note that I have typically found that more expensive attorneys cost less. 30 minutes of time from a $500/hr attorney that knows the business cold is a lot cheaper than 5 hours from a $250/hr attorney that has to research everything because they don't know anything.While I would consult an attorney, I do like @Shaun Reilly 's suggested three sentence reply, and I would limit my response to that.

Thanks Shaun!

Originally posted by @Shaun Lapsley:@J.

Thanks Shaun Weekes but after reading the guidelines again this morning, I don't this it qualifies for delayed financing.