And of course, you'll be paying for some things (appraisal, survey, origination and closing costs) twice.

I've struggled to get responses to my questions. 

Thanks again for the responses, guidance, and advice!

@Darren Nardo there has been lots of discussion about them on BP - you can see dozens of threads dedicated to them, as well as their responses to a lot of the posts, and different member's positive and negative experiences.

@Tony Castronovo thanks for the response and advice.

There’s no one on a master lease so their each only responsible for their rooms but no one responsible for the rest of the house.

Thanks for your response again, and I'll add you to my network on here.NM

Thanks to all who contributed to the discussion.Here is the situation, the lease does not ban smoking in the apartment, it only states that tenants are responsible for cleaning and repair smoke related damages when moving out, and if other tenants complain, land lord may enforce non smoking policy.

Hey BPers,I want to see who else is in the private notes scene and what lead gen companies/sites you get your lists from. If you don't want to disclose the source, that's fine; I'm actually specifically interested in ...

I really don’t understand how some people are taking that responsibility for $100