Many times electric baseboard is sized to maintain temperature, but not enough to allow the temperature to be lowered during the day when people leave home and to bring it up to temp when they come home.

The guide was created to help lower the learning curve and reduce risks to out of state investors coming here.

If an appraiser marks it rural, the lender may not do it or it will be a lower LTV.3.

So far, it's been her saying she will pay or saying she tried to send payment, but the bank denied the transaction because of an NSF charge on her account. but it's just been us wondering when another payment will come through with her already past the deadline. uggghh.

If an appraiser marks it rural, the lender may not do it or it will be a lower LTV.3.

I think they recently lowered the down payment requirements for owner-occupied multi fams.  

a lot of times the numbers in those lower cost areas will look great on paper... and then 10 years of cash flow will get consumed by capex, vacancy, turnover, tax increases.

Landlords like it because it lowers their risk, helps with repairs, and shows they've got responsible renters.

Just to lower your mortgage payment?

I'm tempted to let these fatten up a bit more, slowly sell them off one at a time so I end up netting 4-5 million after transaction costs and capital gains taxes.