My wife and I are looking to purchase a SFH in San Mateo, CA. We're primarily focusing on properties with rentable ADUs for a small house-hack. We've found a property with an unpermitted ADU, as well as an unpermitted...

HPML does not apply to non owner occ loans.

Foreclosure.com, RealtyTrac, PropertyRadar, and ReboGateway only track Trustee Sales (non-Judicial foreclosures).  

So I have this buyer for this 10 acre plot just north of Napa valley.. the listing agent is non responsive.. and in our world if the listing agent wont respond we have the right to go direct..

I'm looking for someone who can help us build wealth through real estate (planning to do a fairly decent 1031 in the coming year) while also tax planning and filing for our non REI business.

I’m actually pivoting out of Fix and flips and rentals to investing in non-performing notes. 

So if you can qualify for these loans, these are the best loans to get.But if you can't qualify for government loans that leaves us is with non-government loans. 

Make sure you are looking at non owner occupied rates when doing your analysis (it's 2x the owner occupied rate).Overall, I think it depends on where you're looking in Providence. 

That would certainly provide more value to members of this forum than a vague assertion.Everyone who has responded to @Ray Li prior to you is a CPA, not non-tax pros googling "these topics out in order to provide sound advice."

Owner hasn't credit score, no any asset, the only thing he has is cash income (non verified).