Here is Richard Coward contact info: Email: [email protected] Phone: 17743604306 Address: 35 Bates St, Brockton MA 02032.@ Mike I have him in at least 3 phone conversation said I will mail the check back to you.

I couldnt exactly prove it, so i changed the toilet to a one peice toilet and instructed the tenant how to sit on the bowl.If the wax seal under the toilet was broken then I imagine any flushed water still flow down the pipe and then worst case partially discharge to the surrounding floor joist area or pool in the bathroom.

Like you said it is hard to imagine a lender not noticing multiple owner occupant loans.

You have a story to tell and unless there is much more to this story, I can't imagine this preventing you from getting a loan as long as you are ready and willing to put 20%-25% down on the duplex.Your rate will be higher sure, but you can refinance in a few years as your credit continues to improve.Mistakes happen.

It is up to your imagination and finally the money.I have made money selling to a builder or doing it myself because in my area at the time it saved almost $28k in fees to tear down to the foundation if need be.

I imagine that the folks trying to create one think that they are doing a great thing, right?

Your scenario might be different but we are 8 hrs away and would only get down there 4 times a year.We used the resort management company so we did not manage the renters but it was enough work with a management company that I cannot imagine how much work it would be to do it on your own.Good luck with your decision and feel free to contact me if I can answer any more questions.

Haha after months away (I feel guilty as I read the emails and forums all the time but haven't contributed) I wanted to send a little update as to my status and progress.I have acquired a 4 family close to home (hometown where I grew up!)

I just changed my email to the one given to me by a new company I invested in recently.

Hey @Laura Moore - Next time that happens, can you mark the time for me and then email us at support at biggerpockets with that information?