Hey Stanley - I would like to personally apologize for any offense you took when getting off the phone with David.  

Switch from offense to Defense - Use the 1031 to concentrate debt in a few properties and keep more free and clear. 

No offense to the other guy who suggested them.

Misrepresenting or using fraudulent cooked up documents to induce a contract is a serious prosecutable offense and definitely basis for voiding a contract at the very least. 

It might be good to minor in business, though, because it will give you a foundation on the global and domestic economies and and many aspects of management, finance, logistics... 

No offense meant Caroline, but what you said didn't make sense.You can get a non owner occupied loan from a bank, retail mortgage lender, specialty mortgage lender, mortgage broker, or credit union. 

But if you need to be on the offensive, you can choose from their lawyers at a discounted rate.So essentially, if you get sued, they help you.  

Quote from @Jay Ben: No offense, but you are not cut out to be a Landlord.

His approach to managing his own properties is that he has paid for all his tenants' first time offenses and given them a stern warning that if it occurs again they have to pay 100% of the costs, if the broken/malfunctioning component is their fault their next time.  

Quote from @Alan Asriants: No offense, but I'm 99% sure you've been suckered.The Tenant can go to her bank and stop the check so it can't be cashed.