If you have an anti-smoking policy and if the apartment has clear smoke odors, I would follow the same rules as you apply toward any cigarette smoke.

If the property requires rehab, the Realtor and/ or Mortgage Broker will suggest applying, for a 203k Loan.

If free speech applied to threats, that would mean every person who has been threatened would have no right to a restraining order which is just not true.

For example, you may need to take out the HELOC and draw the cash out prior to applying for the conventional mortgage.

Can I apply for business credit with a personal guarantee with 2 different businesses at the same time?

If they are over listing and I apply 65% - the rehab and they know I have say 200k in my account, they know i can afford to pay lets say 87k instead of my offer

Should rent credit be applied toward purchase with the increased portion of rent?  

The lawyer they interviewed was a Texan, but I'm sure the principles apply the same here even if the nuances and technicalities differ.I will observe that many of the more extreme asset protection strategies described by the lawyer will not work if your buy and hold properties are financed using traditional mortgage financing.

I wanted to clarify that it will not apply in your situation as Roth IRA funds may not be rolled over into a 401k plan.

So don't loose sleep about loosing money on the property.Take maximum advantage of the home owners warranty as it applies to all the mechanical systems & appliances.