Does the family have  to pay me my money back for IMPROVEMENTS  when they pay what they owe at the Jefferson county redemption office?

We considered renting an office space or even purchasing a commercial office but the market seems rather soft where we live and we thought purchasing a townhome would give us the flexibility of space for out of town guests, some storage (we currently rent a storage unit) and give us space to spread out in terms of workspace. 

hmm I’d guess  bureaucrat  salaries  ,free health insurance and  lavish retirement accounts for city workers who lean on shovels all day . 

When qualifying for a loan, the mortgage officer makes sure your debts do not exceed 30% of your total monthly income. 

If you rent, them it’s easy to show it as owner occupied, and no, no one checks on you if you ever move in or not, only VA loans might have a knock at their door from the VA office but I have lots of borrowers even on those programs and didn’t move on. 

If the HAP states the tenant is to pay a portion & hasn't paid you or your manager needs to inform the case worker at the housing authority.

Although he's big on some pre-internet tactics such as door knocking to ask if people had friends or family interested in buying a house, and wanted me to go to realtor's and mortgage lender offices to make connections with them rather than call, some might argue these are still effective tactics.

@Brendon Seiffert your loan officer should be able to explain this to you without "waiting for the underwriter". 

Do you have any VA loan officers you could recommend?

is between 20-34 years old), Durham has continued to have an office vacancy rate well below the national average.