That loan is being paid off by someone who checks the box on the conventional loan application that they will be occupying the property.

Check out Cincinnatireia they are a huge REI group in the SW area. 

I download those into Geo Batchcode so I can plan an efficient route to check out those properties, and of course I take note of any others of interest that I see along the way.  

@Stacie TellesMost lenders have a seasoning period (typically 6-12 months since the original loan), so check with your current bank or shop around for others.I would also watch out for prepayment penalties on your current loan.

And don’t sleep on local banks or credit unions—they sometimes offer flexible portfolio loans that could work for a deal like this.Since your wife qualifies as a first-time homebuyer, check out any state-specific programs or HUD options for down payment assistance.

If they're doing anything another tenant would complain about I send them a written warning and the minute another tenant complains is when I'll double check to see if I can file eviction for that specific thing and give the tenant three days to knock it off. 

. - and then just check in on it.

The only item I would suggest is double check the payment terms of the your HELOC... in particular, can you pay interest only or are you required to pay a portion of principle each month on the amount utilized.

Check out this site - https://theluxurypergola.com/blogs/louvered-roof-info/hurric...They cover wind resistant pergolas in general but I would make sure whatever you get will be able to stand up to hurricanes that happen there from time to time.

Did you check to confirm they filed a form d with sec?