After the last refi the new mortgage loan was $170k and sold the house for $270k so I thought I was going to owe on a gain of $100k but she says I'll owe on a $180 gain because she's calculating on all 3 gains. 

There isn't - we've tried several times, but haven't pushed it into existence yet.

I have never gotten a residential loan before, all the mortgages I currently have on the multifamily properties are commercial loans. 

I wanted a place to live, but I also wanted help with the mortgage so I have two renters that pay a total of $1400.

I listed my expenses above: mortgage/taxes/insurance, management fee.

The answer is yes and no.The reason I say no is that most mortgages will have a clause in there allowing the bank to call in the loan if you transfer your interest in the property.the reason I say yes is that most of the time, they don't bother with this.

I re- read through all my closing documents where she signed off on the “assumption of existing mortgage agreement” which spells out that the loan stays  in her name and the affects of it.

@Marco Spaziani Brunella can be a nightmare getting loans on rental properties in your situation.Easiest, besides seller-financing, would be to get a mortgage on a primary residence to start building credit.

Hi Vince,It depends a lot on the type of program (Conventional, FHA, VA, Non-qualified mortgages) as well as the property and borrower.

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