I am quite confident however that as long as you sent the proper paperwork in (and can prove it, I typically use email which I can prove was sent to the appropriate individual and their supervisor, OR directly deliver to the office which where they will photocopy and date stamp as received) that you are owed the money and will be paid.The only issue could possibly be that the S-8 authority doesn't recognize that the paperwork was submitted to them (properly/on time/at all) and they claim they weren't aware there was a new owner...hence the authority would have paid the old owner and not feel they would be accountable to yank the money back and direct it to you.Of note- the agency is typically very good about making amends to payments that may be mis-directed while they were processing.Hope this helps, keep us posted! 

The reason that I am moderately bearish is because I am a contrarian by temperament, recognize that market cycles last 7-10 years, and this unbridled growth will come to an end at some point.

Someone on BP actually recognized me at a charity event a couple years ago.

Everyone took the post for what it was: a genuine question that needed some help from the community.

Even an appliance failure would have been a genuine hardship.I negotiated for the seller to get her that warranty and sure enough, her dishwasher croaked within a few weeks.I also offered one when selling my own home last year.FULL DISCLOSURE - I have no relationship with HWA except recommending them to clients and as a customer. 

I think the best investments are ones that you passionate about or have a genuine curiosity about. 

The wholesaler makes a $10,000 profit without ever owning the home.The wholesaler is usually very experienced at finding great deals and recognizes that it is quicker and easier money than fixing, flipping or renting anything.

As many of you may recognize, this is one of the final questions asked on the BiggerPockets podcast by @Brandon Turner and for about four years, it made me cringe.  

You being a new investor, it very well be a mandated policy by the bank however I have discussed with my banker in Florida, and he explained to me that this is simply common practice however there was nothing in writing that mandated a seasoning period and he, as a senior loan officer could make the decision to refinance once he recognized the property was stable enough to handle the higher mortgage from the refinance. 

He DM'd me and seemed a very genuine person, both polite and insightful.