It sounds like you have two problems..the TK company and the PM company.

Downside is split single contract into two, double closing costs and increased mortgage insurance costs.MY QUESTION:Does this sound correct, or is the underwriter mistaken...Do multiple townhomes require their own individual loans for each single unit (even if apart of the same structure)?

And while a MLO sounds good in theory, I don't like the idea an owner could stop making payments,meet judgments/liens against him and the property, etc.

It doesn't sound like something that would need a GC for specifically.

Sounds crazy to me, but I think he's been doing this for over 10 years...The key, I've been told, is just keep making offers at prices that work.  

Without trying to sound too misleading to the seller i would either in person or in letter explain to them that I'm not a realtor, and that no seller fees would be required to finding a buyer which i guess is slightly deceptive.

Depending how old the fridge is and condition, I usually replace them if needed unless you can fix the fridge yourself.

Based on average rent per unit or sf, number of units, market vacancy, plus possible amenities income, less OE of approximately 40% (ask appraiser for OE ratio or property manager) less replacement reserve ($250 per unit), gives you your appraisal NOI;  Identify sales comps and cap rates (call a local appraiser).  

Plus sounds like you found a renter for the time being.

It sounds like you are starting to understanding that.