I see there may be two "children" with the same last name and who are in their 50's (baby boom era kids), one of whom may live on the property and one of whom may live out of state.

Bryan.......I could'nt agree more, I like many others that I know are getting tired of this government treating us as though we're babies that just need direction.

Maybe a baby company out there in Silicon Valley land waiting on a round of funding to get off the ground.

You are relocating due to work, you just got married, having a baby, special housing due to medical reason - these are not an issues.Moving from a 4-unit to an another 3-4 unit a few miles away, and in a short time is a red flag.

I did contact one lender about getting a 2nd FHA loan which is typically not allowed, however we had a baby and acquired a 5 year old since we moved here.

They have zero collateral, have been known to do as little as possible in life to make their own lives better, and want to make others pay their way.Those people are always told a very firm No.I'm working my *** off full time, have a baby on the way, working on building my portfolio, and have about an hour or two a night to myself if I'm lucky to relax, before I have to do it all over again. 

And Keep teaching that baby how to be successful.

After having a 2nd baby I needed to make more space for the family and find a way to still have a rental property.

@Chris Mason  just not your bag baby !!

If we find it is a tenant caused probable, we charge them for the cost of clean out.Depending on the price of the insurance, it may be worth it, but if you only have a few houses, the odds of not having a back up is in your favor.As an investor and future owner of many more properties, you should try your hand at doing it yourself; Rent the machine with the auger and motor on itTurn the water off to the commodeDrain it as best you canRemove the two closet bolts (when replacing, don't tighten too tight or your brake the porcine commode).Remove the wax ring--- messy, stinky -- use cloves - don't get it on your clothingLife the commode from the waste line......guaranteed you'll get water on you (hope it is not yellow)Now feed this heavy cable down the waste line as far as you can go.Push the start button on your machine and watch the cable spin as it seeks the block, oh, be careful because sometimes stuff will fly out and may  smack you in the face.If you are lucky you'll find a baby's toy, a rag or some sort of material that may be unpleasant; bag that ugly stuff for later disposal.Oh, did you buy a wax ring?