However, if the area is very cold, I'd prefer to invest a little bit more for a dual fuel system.

Some people will also tweak points or interest based on these things too, but for me I prefer to keep that mostly constant based on market expectations and modify the LTV I'd consider.As long as I have the first lien, I don't much care about how any secondary money is worked out (JV, or otherwise).

There is nothing wrong with this, it's part of learning.Again, it's all about personal preference and what works best for each individual.

One gets "preferred" treatment (a pet) vs the one in the protected class does not.I only say that because Bill had conceded that he would allow them a pet after the fact so he obviously doesn't have a hard and fast rule against pets.

However, I tend to ask questions as a last resort and prefer to research information as needed.

I'm looking for my first property to be a 2-4 family preferable in Northern Kentucky or some parts of Cincinnati's east side.I can give more info but basically now that I'm approved I need to get as much help as possible evaluating properties.

I know my husband and I would prefer to live in a duplex over a 4 unit, but your point about buying the 4 unit w/ financing only available for OO is a great one.

I prefer 1980's and newer.

The additional rental income will almost cover renting a single family for us to hop into, but if we don't have to I would prefer to not incur the additional expense and potential stress/upheaval.Ultimately, I am desirous of using the value of our equity as a contribution to a down payment, along with some savings, towards a future loan on a more appropriate setting for my family.I am open to selling, switching, stripping (equity), or other necessary means so don't hold back your suggestions.

Why not just shoot a copy of that tape over to customer service at the utility company?