Both units are identical floor plans and I was able to add a third bedroom (making each unit a 3 bed 2 bath) and tear out the kitchen pantries creating twice as much counter space as before with a much more open floorplan.

It sounds like its kind of in limbo, its in my name but held in escrow...One more general question if I may, an investor named Joe Crump talks about Multiple Mortgages and I'm wondering if this is the same thing as a wrap around mortgage that I come across more often.The structure of the deal is identical to a subject to, however the seller has significant equity that he would like to take out, in which case a second mortgage is created to the seller in the amount of the equity.

Apartments are identical other than upgraded appliances, re-grouted bathrooms, and kitchen backsplash (along with much nicer paint colors).

For example, suppose you have 10 "identical" properties.

If the units are identical then 50% of the sales price would be allocated to primary residence and 50% to investment. 

Twice, contractor's crew did not properly reboard the windows at the end of the day resulting in breakins and theft of materials. 

Meaning the duplex I got for $40k, its identical neighbor sold for $79k, 2 weeks ago. 

The private lender just wants fire and theft policy.

I know where they live so why should they not know where I live.I have been on internet forums for 15+ years and have tried to never provided any accurate information that would give away my identity.

Could be related to misreported accounts, credit report errors, identity theft, divorce that included joint accounts, or even legitimate accounts that had been settled or could be paid off quickly.We've had terrific long term tenants who messed up their credit history and were forced to become long-term renters since they would never qualify for a home mortgage.