Now today on the 20th at 130pm with a close tike of 3 pm, the underwriter decides that they don't like that because I'm so young and so fat have only been an authorized user on a credit card (having been renting and paying for utilities for a year though) and haven't been making the payments, that now I would need to have a cosigner (which doesn't really work since everyone I know have too many write offs) so now I'm in limbo while I wait to see if there's any other solutions.

The last thing I would want is to have a property break even with no fat to skim as a contingency. 

@Gene Koslove Yes, I have been using it for over a year for my business--one of the early adopters (actually) and even have a testimonial with them. 

@Marc Rice - that seems to be an accurate assessment, and I’d fire the fat old guy who’s responsible, but I’d miss me.

We have programs that we readily pay your; grocery bill, rent, cell phone, internet, spending money, health insurance, Rx coverage, day care AND to boot not only do you NOT have to pay diddly-squat in income tax's that the rest of us subsidize (pay) for you but we even send you a big fat check each year if you have kids. 

And as far as the relationship advise, is that kinda like saying "hey you know your girlfriend kinda looks fat in that dress, you should probably tell her that" or something along those lines? 

But if you spend 100K and all of the properties are ultimately redeemed you make a big fat ZERO dollars.

Then the home was always used as a residence from time of purchase up until the last 2.5 years or so, which is NOT to be included as "non-qualified use", so the "Home" version should have 0 non-use days by the days owned, making my non-residence factor a big fat 0%, which multiplied by the gain makes my non-qualified use gain another big fat $0, meaning that my gain that is eligible for exlusion is 100%!!!!.......

If you want the best coverage in case something happens, call an independent agent and tell them you want a policy with Chubb...then be prepared to write a big fat check for that premium.As Dave Ramsey used to say, drive into any major city in the US and look at the names on the largest buildings downtown...usually either an insurance company or a bank, or both.

Quote from @Gene Hacker: Facebook does not allow real estate listings from business accounts any more.