@Karen Margrave is right on all counts. 

We determined that we can't stop the water from coming in, so we have determined that this is too much for us to handle until the rain / snow / snowmelt / saturated ground is over with.I'm sure there is someone in the BP community that has faced a situation like this before, and I'm counting on you to help us out.

Since we are a non profit affordable housing agency, the banks are eligible for a 10% CITC (community investment tax credit) AND it counts toward their CRA points.

My question is, can I count that time as a co-borrower towards landlord experience even though I did not reside in the house? 

For instance, I recently picked up a duplex in Portland, with 100% debt funding (not super conventional), and the reason I am doing this is for cash flow coverage of overhead (mostly debt) and I am hoping for capital appreciation, so I can refinance/pull out proceeds when my kids entertain the idea of going to college (8 years and counting).

@Richard Burke, if you're thinking of moving into one of the units, I reckon you shouldn't count YOUR contribution as if it's cash flow.

I am already counting the days till the next meeting.

(If you need help with this, email me and I will email you a free white paper on how to do this research.)I cannot count the times I have been told, " I can only sell x number of houses a year so how can you sell as many as you do?"

So, counting the costs of the business startup is your first step.

The did count retirement accounts but at a 40% discount.