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I hired a local county guy Tierrney, Kimbal, etc. and we filed a 3 day and 30 day notice to vacate (on a month to month) and one of the tenants (partnership of 2) filed bankruptcy.

An AOM can not be endorsed to someone, it does not function like that.  

I think that is all a function of buying better on the front end.

I did not consider the option of a partnership of some nature; that path definitely merits some thought.

The MO I see around the Bay right now on flips is adding additional bathrooms, and bedrooms when possible, to collect the spread between the cost of add-on square footage (and higher functionality of better bathroom/bedroom ratio desired today), and the overall cost/ft of sales prices.

I find their online system to be intuitive and it offers enough functionality that I can do what I need.

I usually invest/develop with partnerships.

Yes the underwriter can ask for them and require them, it's necessary for the audit functions needed to meet loan requirements.

@Kyle Rushing hi kyle i am in similar situation as you - owner occupying (FHA 3.5% down) and forming partnerships to buy the neighboring buildings in retrospect was a wonderful decision, i cash flow on all buildings now.