When I purchased my house here in NY, we signed up for it and I believe the savings were around $800-900 a year.

I believe the property is currently vacant and I'd like to get the rehab done (mostly using contractors) and have the place rented in 4 months.If you have the time to read my explanation below I'd love to get your opinion.

I am not a CPA, so check with yours first, but I believe you are able to file a forms 3115 and 481a (change of method of accounting) which allow you to claim previous year's depreciation without actually amending previous years tax returns. 

I do not believe cash of 18K is well invested in this situation.

I believe Wings Financial FCU has best rate and term. 

If their parents really believe them to be on-time paying and take care of the property, then they should have no problem serving as guarantors and nothing to worry about.

I believe BP has a pretty active marketplace for deals as well. 

However I do not believe that Fidelity National is a bank. 

Hi all,Recently purchased a multi and one of the first projects I’m planning is converting the property from oil to nat gas heating (there is nat gas going to the house already for water heaters).

You can do a cash out refi as a NOO loan at 70% LTVI believe HELOC's have the same OO vs NOO rulesYears ago I was doing a OO refi and my lender was dragging his feet.  6 weeks in I found a new personal residence and because I had intent to move I have to refi it as NOO