From everything that I've absorbed from the Portland Market, I don't know why someone would consider an FHA if those are the circumstances (I wouldn't). 5% is fine within my budget, if that's the low end of normal.

I’m considering a capital improvement on my five unit building which would primarily yield on the expense side Specifically I am considering converting my oil steam boiler and hot water heater for the entire house to individually metered Hi efficiency gas and on-demand water heater’sThis would mean that each unit would be responsible for its own heat and I would save on oil as Well as potentially the water bill with individual meters for each unitWhat do you consider an acceptable return on investment for such an improvement?

After the IRS discovers the noncompliance and contacts you, you generally have fewer options and less chance of penalty abatement.Your best bet is to work with a professional to handle the noncompliance and prior filings, then to keep you compliant on a forward looking basis.If what you owe is substantial in relation to your income and assets, you and your professional should consider an Offer in Compromise.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in a an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in a an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

Unfortunately, I don't work with or know anyone who invests in real estate (at least not anyone whom I would consider an expert or mentor).I love to learn, so I will continue absorbing everything I can on biggerpockets and hopefully find other helpful resources/people along the way. 

One is offering 70/30 LTV fixed for 30 years, another is offering 75/25 fixed, but one suggested I consider an 80/20, with a 5 year ARM on the 80%, as "this will provide better cash flow in the short term".

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

What would you consider an acceptable deal given there's no warranty?