:D The only viable way I see to the strategy of holding an equity position long term with negative cash flow is to play the appreciation game, which we all know from recent evidence is a very dangerous speculation.Other than playing the odds of appreciation, why hold a losing investment?

My insurance agent neglected to put in the state abbreviation when submitting the mortgagee's address for my insurance policy, and this delayed the processing of the policy to the extent that escrow was postponed for lack of sufficient evidence of insurance at the anticipated closing date.  

And than ultimately face a judge with all evidence and if all goes well...

Obviously, I have tons of evidence to the contrary, so I can "prove my case"Thanks,Cary

Portsmouth is a hot market and it was very evident at the time of purchase (9/17).

Evidently that landlord has made SOME effort, having sent an HVAC person there twice.

It became a pi**ing match and ego thing by each party and Joe had plenty of evidence to show that he wasn't doing anything wrong.

Eligibility Requirements for Principal Residences4155.1 4.B.2.d Exceptions to the FHA Policy Limiting the Number of Mortgages Per BorrowerThe table below describes the exception situations in which FHA does notobject to borrowers obtaining multiple FHA-insured mortgages.Note: To determine the eligibility of a borrower for one of the exceptions inthe table below, the underwriter must consider the· length of time the previous property was owned by the borrower, and· circumstances that compel the borrower to purchase another residence withan FHA-insured mortgage.Important: In all cases other than those listed below, the borrower is noteligible to acquire another FHA-insured mortgage until he/she has either· paid off the FHA-insured mortgage on the previous residence, or· terminated ownership of that residence.Policy Exception Eligibility RequirementsRelocation- A borrower may be eligible to obtain another FHA-insuredmortgage without being required to sell an existing propertycovered by an FHA-insured mortgage if the borrower is· relocating, and· establishing residency in an area outside reasonable commutingdistance from his/her current principal residence.If the borrower subsequently returns to the area where he/she ownsa property with an FHA-insured mortgage, he/she is not required tore-establish primary residency in that property in order to beeligible for another FHA-insured mortgage.Note: The relocation need not be employer-mandated to qualifyfor this exception.Continued on next pageChapter 4, Section B HUD 4155.14-B-8Increase in family size-A borrower may be eligible for another home with an FHA-insuredmortgage if the number of his/her legal dependents increases to thepoint that the present house no longer meets the family’s needs.The borrower must provide satisfactory evidence· of the increase in dependents and the property’s failure to meetfamily needs, and· that the Loan-To-Value (LTV) ratio equals 75% or less, based onthe outstanding mortgage balance and a current appraisal.

In would be extremely rare that he actually saw the appraisal, so any comments he would have made would be hearsay and detrimental to the sellerI could not find any evidence that FHA change the 120 period for an appraisal.  

The lender is sending me the payment history, So Im just going to use what evidence I have to argue my case with HUD and hope for the best results.