Here is the link for an Associated Press Article I found on the FAR site.

sometimes people leave water running if they go out of town during the winter to prevent frozen pipes...is it possible they thought they were doing you a favor, but left the pressure too high which accidentally led to this water bill??

You'll be hard-pressed to do a conventional refi for more than 75% of the purchase price until you've owned the property for at least a year, so that's probably not your best solution.Small banks often make their own loans, which means they can define the terms and the underwriting standards, and they will sometimes do a refi up to 75% of the purchase + rehab costs.But, until you've held the property for at least 6-12 months, you won't be able to refi based on a new appraisal, either conventional or with a small bank (at least not any small bank I know of).As for whether you should get an owner occupied or investor loan, if you're going with a small bank, you'll probably have to get an investor loan (and they may require the loan in a company name with personal guarantees); if you're going to go the conventional or FHA route, you probably can't legally get an OO loan if you'll be occupying for less than a year, so you'll have to go investor that was as well.

This is in large part due to there is usually a pressing need for the loan.

Furthermore, you'll be hard pressed to find a bank who will finance these nor will you find a future buyer who'll pay you that 10 CAP for them.

But the insurance adjuster talked to one of them and convinced that this is not accidental.

Hi all,I have a rental property in Fort Worth home (I'm an accidental landlord) that is almost 100 years old.

People could easily say I accidentally sent that text or I meant to send it to someone else and get more forgiveness than if they took the time to respond to an email or send an email.

I would be hard pressed to find many here who will disagree with me that GENERALY speaking, you won't cash flow postively anywhere in California.

I will definitely press this issue more and speak to my Realtor about this and make the suggested requests.