It feels like everything in life now has a 2-3% admin fee lol. 

You can probably meet him in person if you attend the next HH.

I try not to let it get personal...there are some members that have been 'inappropriate' in the past, but I will still give them a vote if their post actually deserves it

One of them I have used personally. 

The person had something of an accent.

The primary residence exclusion is $250k per person on title.

I figure REI is like most other things in life… hard work and persistence will get you there.

You must report rental income on Schedule E and can deduct rental expenses like repairs, maintenance, property taxes, mortgage interest (allocated between personal and rental use), and depreciation for the rented portion.

Personally, I wouldn't open up a home that isn't in good repair, from a liability standpoint if nothing else.

Quote from @John Friendas Quote from @Patrick Roberts: If you are on the note or personally guarantee the debt, then it will affect the liability side of DTI, regardless of whether the lender reports the loan on your personal credit.