Trying to get lender to approve this as a 4 unit to take advantage of the conventional residential loan, however the lender counts the basement as a unit and that makes this a 5 unit commercial loan scenario.

Trying to put my remodel budget $$$ where it counts the most and this seems like an area I can save a little money in.

So if that is increasing your costs, I'm afraid that's unavoidable.On average, an Umbrella that goes over your Home, Auto and 3-10 rental units runs about range of $300-$400 for $1M.A few other comments,1) There are Umbrella options that do not count Property claims against you. 

Anybody who wants to connect or has any advice I am all ears and listening, I cannot wait to see where this journey takes me and although I know it will be challenging I know I can count on Bigger Pockets to point me in the right direction and lead me to success!

It counts as a pay off and essentially you could have free money for a certain period of time. 

@Cornell Clark  I believe by Fannie Mae/ Freddie Mac standards gifts do not count as usable funds.So you have two options if you're not buying the property with all cash:You're either going to have to let them season for a month or two so that your bank statements don't show the deposit, or find a lender that does not repackage and resell their mortgage loans since they can be flexible on their terms.

My teammates were counting on me, my coaches were counting on me, and I was counting on myself to be an amazing asset to our team.

We had agreed the licensing course would count towards the education requirement.

This is a near-miss and you should count yourself lucky you didn't transact any money while working with this person. 

For this year property tax protest, could the money I used to restore the property be counted as repairs in attempt to lower the tax value?