The third owner was combining households to save up money to by a bricks-and-sticks house.We’ve owned that last house three times now.

We look for tenants who are employed - most are single parent households, where the mother is a nurse/caregiver, and there are 2 or 3 children who are in school or even in college. 

its not unheard of to have a relationship with a local community type bank.. although deal flow will be pretty small. .I had a pipeline into a thrift back in the day it was a household finance type company.. so suuuub  prime.. and Mrs.

then I research the owners & check to see if there are any specific things that might cause them to sell such as new additions in their household which may cause the need for a larger house or if there are any unpaid taxes or code violations etc.

Prenups were not a household word when we were married.  

New Jersey has the second highest percentage of households that earn more than $150,000 per year but the high incomes are offset with high expenses. 

As used in this paragraph, “immediate family†means a spouse who resides in the same household and children.It states that in no case can a property be sold for less than the taxes owed plus expenses not 2/3 of FMV

Would you not account for the affect that 2 persons has on the household and the shared spaces as opposed to 1 considering this IS a shared space? 

The ones I can think of are: allergies (other tenants might be allergic)noise (my bird is the noisy one in our household)property damage (yes, the little dog who is from California, pees in the house sometimes..ugh)Fear (my big dog is 110 pound black lab) of Dogs/Cats/AnimalsFear of lawsuits if the animal hurts someone elseI'd like to discuss what can be done to alleviate these and any other objections as much as possible.  

A non-complicated financial life is one in which borrower(s) have jobs with W2 income and/or social security income and no significant outside income and they own no other assets except for autos and household goods and possibly retirement accounts.