Again, I don't know if I'm dealing with a "slacker" PM here, or if this is standard for PMs.

That way, I could file the initial quit claim so the tenant is on the deed and therefore an owner occupant.

Bring held to such a high standard is the best thing about being in the military it helps a lot of fresh out of highschool people learn how to be responsible.

I would remodel this to a high standard with really nice finishes to attract better tenants.I am buying it sight unseen and I am a little hesitant about the area.It's on NW 45th St, Miami.The purchase price per square foot is a mere $65, which is well below the current market average, even for the area.Are there any Miami locals who could chirp in with their opinion on this one?

And then there are lots of standard CA mortgage contract templates out there... just make sure your lawyer writes in every clause and snag to protect yourself.

I am going to file a claim and hope to get insurance to pay for some of the damage.  

The rates and  terms will be different than a standard loan but those loan types have the ability to be flexible. 

Evaluation of credit is both an art and a science, there are advantages to setting minimum standards, also advantages to making exceptions.

I am using Turbo Tax Premier this year as I don't have a complicated tax return filing (couple of W2s, one K-1, small things here and there).

Well...if you are interested in a judicial foreclosure, you may have to wait six months if the owner files an intent to redeem before you can evict.The reason judicial foreclosures were the norm for a while had to do with MERS (Mortgage Electronic Registration System).