Before leaving, I was wrapping up with my fix and flip with actually was supposed to be a one year fix and flip but turned out to be a 6 months one instead and I was also penalized there.

It needs to be intrinsic for a DSCR loan to qualify, or they penalize you with an excess add on fee and/or rate. .Secondly, an IO really only make sense if you're investing in a short-term duration. 

That way I don't get penalized for using the insurance. 

Going into the project I was ready to permit and want to do my best with the city and not get penalized but 3 licensed/bonded contractors have said they would not recommend permitting with such a small project.

I have alternate cell numbers that I provide to people just to avoid giving this number out.Obviously I wanted to find out how in the world did he obtain my number - because if the property manager provided it they would be fired and if it was the plumber they would be fired from future work.I told the guy ten different ways that I have no problem allowing him to leave and I wouldn't penalize him in any way, but once someone is doing threats - the conversation turns a different way.

If you plan to pay it off after that 3 year mark, you won't be penalized. 

So I talked to a very good tax attorney and he told me I would lose at tax court so there was 30k i could not write off and penalized for.. so now my  SOP for all my travel is save all airline receipts and boarding pass's.. the airlines only keep stuff for about 18 months on line..

I don't want to do anything wrong where I will get penalized later down the line.Thank you all!

I don't want to do anything wrong where I will get penalized later down the line.

The headline would read Wells Fargo penalizing bad actors in the real estate industry.