I post this publicly - they are welcome to sue me for defamation, the discovery process would be fun.

In Ohio property ownership,sales,tax records are public records.

When I acquire an off market property at a good price and want to move it quick, before I even give the public (or even my large private buyers network) an opportunity I look into a shortlist of buyers I have a strong relationship with.

I don't want to wait 30 day in the hopes of getting over 720 and then another 30-45 days to complete the refi.Do you know if a non-conforming loan is an option?

If using a lender this is a non issue.

:For your convenience, and in an attempt to expedite the reconveyance of the Loan after full payoff in accordancewith the Payoff Demand, we have included a "Substitution of Trustee and Reconveyance" form.IMPORTANT: The "Substitution of Trustee and Reconveyance" form must be executed in the presence of, andnotarized by, a Notary Public.

The non-pro doesn't see things the way the pro does and therefore will miss things that will come to haunt you later.

If using a lender this is a non issue.

I know which is very high, my property is listed as non residential as per water company since meter is 8in, currently I am paying as a landlord full monthly water bill and all my profits this bill is eating.I ask the water company my property has submeters if i make those active is the water bill going to reduce by making the property as residential?

So it's essentially a good-as-gold full expense for tax purposes, but it doesn't hurt you on your mortgage application.So make sure your CPA is aware of these things and is not afraid of the home office deduction.Also, if you have a large non-recurring expense this year, this is worth talking through with your lender.Someone like @Chris Mason could probably elaborate.