The reason why I'm leaning towards going with Chase bank for a home loan is because they allow for me to put 15% down instead of the opposed 20% for a conventional loan and the house I'm under contract with qualifies for a $5000 grant as a first time home buyer (meaning that Chase Bank will cover $5000 of all fees) Which is a HUGE BONUS.

The reason why I'm leaning towards going with Chase bank for a home loan is because they allow for me to put 15% down instead of the opposed 20% for a conventional loan and the house I'm under contract with qualifies for a $5000 grant as a first time home buyer (meaning that Chase Bank will cover $5000 of all fees) Which is a HUGE BONUS.

Stop chasing and find you a new tenant.

Just some updates (if anybody cares lol)I used the lump sum 30K I had and went for loan recasting (my lender is Chase, and they allow easy peasy, no fee, simple 3 pages document), that brought my monthly payment down by 150/month.

For example if you pay 105k for a duplex assessed at 90k with a level of assessment you are still within the 10%..Assessors generally will not chase sales.

I ended up chasing down the rental assistance avenue which ended up paying at month 10.

Long term rentals could work in either city but I like to chase the big Airbnb money. 

Has been so much better then old school paper rental agreement and chasing people down for them.

Is your friend chasing ROI or lower work? 

Will try again, it gets a little tiring trying to chase these guys down..haha..