It just violates this one code.While waiting on replies, one suggestion I thought of was just tearing up the leases of two of the tenants and officially renting to only 4 others (my wife and I count as one person because we're married), treating the other two folks as guests in our home.

18 years old, if you count trading stocks

The 4th unit you will be living in so I am not counting that one.I know you like the lady and she likes you but emotional investment does not make you successful in real estate.

Since you do have a history of renting and managing the duplex you might find a lender that will accept a lease and count 75% of the rental amount to offset the mortgage.

New construction is REALLY easy to ballpark, but isn't not for sure until you get solid plans in front of you.Simple jobs for small houses (Paint, carpet, new fixtures) look a lot like me walking around counting doors, windows, toilets, flush lights, etc. on my fingers and toes.

Not counting appreciation and or equity but those are huge pluses as wellIt can get a bit confusing bc due to my passive income I am able to max out other investment vehicles from my W-2 income IE.

However there is opportunity for quite a bit of appreciation if the economy recovers in the inner city.We already see neighborhoods reviving locally in Dayton but not enough to count on any great increases in the short run (2-5 years).

Plan on chasing a few each month to pay the water bill.If your meter is not from the water authority they will also say your meter isn't working properly or is billing them for more water that another tenant is using.All depends on the type of renters and area you are working with.I know an investor that owns an older 150 unit.They submeter and bill the tenants.75% pay the water bill they get and the rest they have to chase after to get payment.If all your tenants end up paying the water bill you send them count yourself lucky.

Newlife I would not worry about it...When shopping for a mortgage you have 2 weeks (last time I was told in a meeting with Fair Credco) where it will only count as one inquiry (credit score wise) even if you have multiple pulls and really one month where it would not effect your credit.

You can count on having special assessments at some point because HOAs, like any property, will have big bills they have to pay.