Downtown Cleveland apartment occupancy climbs, office supply shrinks due to conversions (photos)I'm not in a position to take advantage of the downtown office situation, but this article really helped me see what you all are saying about the cycle.  

What is appropriate is a properly constructed package built on a solid commercial policy form with the ability to offer appropriate coverage for assets under any stage of occupancy or renovation, a simple monthly reporting format with no minimum earned premiums, the ability to waive co-insurance requirements, with no location limits, with the ability to insure multiple controlling entities, offer coverage in all 50 states, special form coverage with theft and vandalism and the ability to actually reduce premiums incrementally by aggregating locations, just to name a few little things.Hope this helps.

Buying from Investors/Landlords on terms - buy as many as you want, disclosing you will not be living in the property, you will be renting the property, and not be an OO - Owner Occupant EVER.2.

I think I might have been to vague with my explanation. we talked about the fact that he's getting board with being a landlord, and he's on to note selling and buying, this process he's actually helping me out "or so it seems" until further noticeI've ran the numbers with a partner of mines and it comes out to be a great deal especially due to the fact I'm not putting any money out of pocket, and I'm getting the 4 % 30 year (at least i think) Account Closed where we have it writing up and with the current occupancy, its cash flows 2200 monthly - 714 mortgage 400 month electric, 40 a month water. and 1900 taxes a year.  

My lease says an extra $50 per month for any occupant not on lease that has stayed there exceeding the limits that the lease spells out for being a guest. 

Is 50% occupancy an issue?

@Kyle Davis Each insurance carrier has a % of occupancy that dictates when it will be considered vacant.  

He has a bit more experience but we both still have a ton to learn.We will be posting the "Notice to Enter" on our auction house tomorrow and are hoping the occupant (we believe it is the foreclosed on former owner) will just say "okay, I see it's my time to go." 

@Zantiago Zurita , if you are buying as owner occupant, apply for a 203K FHA construction loan.

No big deal, it's just a P&S contract you are assigning.Steer clear of occupant buyers, assign contracts, and you'll have fewer legal risks.