Hi @Keith Mintz.My name is Adam King, I am also a realtor here in San Diego.

I do not personally originate loans.

Paul, the deportation efforts aren't overly concerning personally because the few assets I have left in my current portfolio don't have a high immigrant resident profile (nor do the submarkets).  

You may want to research the term ' Debt Financed Distribution' Which does have a tax implication for the investors receiving a distribution.

In high-cost markets like Chicago, that can be tough to meet.If you're looking at a duplex, the self-sufficiency test doesn’t apply, so you’d just need to qualify based on your personal income and the rental income your lender allows.If your current lender isn’t familiar with making FHA work in your situation, it might be worth getting a second opinion from someone experienced with FHA multi-unit financing.

After doing some research I realized that the first lien lender has so much control over the purchase price.

According to several websites, and an AI summary, $100 per month is average for a 900ft apartment this time of year.Switching to electric would make the tenants responsible for the bill, but you would eat the cost of installation and it may drive your rents down because electricity costs are probably much higher than the gas you currently pay.I recommend you do more research before switching anything up.

If you do not do your market research correctly, it doesn't matter how great your list is because you will pull a list in a bad market.

Yikes I am almost afraid to jump in on this one, however, I know Joe personally and he is not a scammer.

The most important thing is research.