MayorOnunwor was pretty good and kept pointing out how funds mysteriously disappeared (e.g., the park's water fountain fund) but he got arrested for corruption in relation to contract hiring.

Hopefully they are just empty threats and they will just move on.

As someone who o/o renos and has 2 little ones, kids are one of the toughest parts of your scenario, before I could spend all night or weekend on projects but that time disappears with kids (though I'd rather hang out with them anyway). 

The biggest liability we face as investors with regards to mold is the threat of litigation from tenants.  

But what should borrowers do in response to this potential threat to bank lending?

If so, I would think the owner-occupied requirement would disappear, right?

. - Rent a house- Advertise to sell on owner financing- Collect a large down payment- Collect some rent- Disappear

But, still the greatest threat I see is self discipline while using these funds.

Half the problem is its "free information" the other half is, its much easier and requires minimal effort for someone to create a post asking their question then it is for them to read and research for the answer and info.There is basically no commitment required, no barrier to entry to filter or prescreen any INTERNET searcher from using the BP forum for their own benefit without any sort of contribution monetarily or with thoughts and ideas.How many posts exist of the non investor type landlord who ran into a problem with a tenant,came here for an immediate option or solution and then disappears to never return?

Do they only check for violent/sexual crime and threats to other tenant, or is a marijuana felony usually enough to keep a tenant from renting a place to live?