The rules should set time windows for events / actions that may cause a nuisance for another tenant, such as running washer / dryers, playing musical instruments, playing stereos, etc.

Hello friends,I'm looking for an experienced CPA in the SF/Bay/East Bay area who has proven experience working with notes, liens and other debt instruments.

hahaI am not an expert on SUB2 but as I understand you work out a deal with the current owner and mortgage holder, then file a legally binding instrument to hold your interest in the property. 

Unless the previous borrower requests a release of liability, the servicer must process the following exempt transactions without reviewing or approving the terms of the transfer:[...]A transfer of the property [...] to[...]a limited liability company (LLC), provided that- the mortgage loan was purchased or securitized by Fannie Mae on or after June 1, 2016, and- the LLC is controlled by the original borrower or the original borrower owns a majority interest in the LLC, and if the transfer results in a permitted change of occupancy type to an investment property, such change does not violate the security instrument (for example, the 12 month occupancy requirement for a principal residence)."

As you, likely, already know, these two types of loans are different types of financial instruments with entirely different requirements.People typically wait until they have sold their current property before paying for the new home.

I have not seen cost of living calculations getting adjusted (although they should) but anybody using traditional instruments like FHA might have issues keeping enough room to afford the mortgage at increased interest rates

I see it often people take a dil not knowing their are liens and judgements.. now they just took title sub too those.. sometimes you simply have to foreclose out the instrument to clear title.. but shoot with all those who want to jump in the game with little to no experience you can imagine how many get fubared LOL..   

Financial instruments like notes are transferred between people.

As for financing docs, I typically use Fannie Mae instruments, https://www.fanniemae.com/multifamily/security-ins...I figure they get it right, everyone knows their forms, and they are specific to each state. 

But that is also a static, mechanical investment instrument.