It was painful for everyone.Already, since I posted last week, payments that are initiated on Monday are settling on Friday, so the new timelines are in effect and working well.In the future, we will also start to implement even finer grained benefits for customers we know well, including things like next day payments, debit-to-debit instant payments, and more.

However, a previous short sale still lingers from 2012 and is preventing us from getting loans until 2017. 

I have been in school for the last four years and thought that my high student debt (100k+) and low income would prevent any form of conventional financing.      

How do I prevent them for just taking off with the money?

My guess is the same in NC considering it is basically a federal program implemented at the state level.A couple of other suggestions.  

 ( Basic rule, to prevent asset loss to predators, is to never hold any significant personal property or real property assets in your personal name, instead, you want to control the entities that hold the assets ).             

I don't expect  that a tenant would bring them, so I thought providing them could prevent improvisation with other things.Thanks for the input @Samuel Sedore

Hi, I am interested in buying multifamily homes implementing a buy and hold strategy in Easton, PA.

Glad to hear that your second deal went smoother than the first, and more importantly that your bad experience on the first didn't prevent there from being a second.

I came to the conclusion that I should be stashing at least $466/month away for those times when big ticket items need to be replaced (repaired).In addition to this, I try to do as much preventative maintenance on these things as possible, and the money spent on this DOES NOT come out of the capex account (rather, general maintenance).I set up an online savings account through Barclay's https://www.securebanking.barclaysus.com/login.do  due to their favorable interest rate and no cost.