You can probably live a better life style on 6k of w2 because of  Benefits  (health care being the big one)  Conventional loans are going to be tough, your income is going to be scrutinized more.  

Since then, my mother's health has declined and I am spending more and more time in Tahoe.

That is the loan that I wish to refinance.I am working with several local banks at various steps in the origination process, but don’t want to waste everyone’s time if it’s not possible.... yours included.

The term "material amendment" as used herein shall be defined to mean additions or amendments to provisions of these Bylaws which-establish, provide for govern, or regulate any of the following:  (a) voting; (b) assessments, assessment liens, or subordination of such liens; (c) reserves for maintenance, repair and replacement of Common Elements; (d) insurance or fidelity bonds; (e) rights to use of the Common Elements; (f) responsibility for maintenance repair of the several portions of the Property; (g) expansion or contraction of the Property, or the addition, annexation or withdrawal of property to or from the Property; (h) boundaries of any Unit; (i) the interests in the Common Elements:

Several years I was planning to buy a condo there and manage my own STR gig but I found out they don’t allow it .

I lurked in the forums and listened to the podcast for several years before making the leap to buying my first property.

I’m guessing it’s impacting your state of mind, your sleep, maybe your health.

As several people have mentioned, Detroit is composed of micro-markets.

Very common practice in mental health atleast around here sadly .

Hey everyone,My name is David, I've been listening to the BiggerPockets Podcast for several months now and was happy to see that there seems to be a solid Canadian community here.