Happy to be joining and hope to be a regular on the forum going forward.Best,Matt

HI Ramon,FHA requires 12 months to use market value in a refinance if you're looking at a cash out refinance but on a regular rate/term refinance you could refinance out from HML into FHA no prob as long as you owner occupy and given you qualify of course (credit/income/assets/etc).

@Eric DeVito  Oh man it's funny that you mentioned this topic because I'm experience the same thing on a regular basis and can relate 100%.

I came across another BP article where the landlord on top of the regular small gifts, does a Christmas raffle with a few bigger gifts like a TV, grocery gift card for $100, slowcooker, etc.

The owners may also take money out in the form of Salary, which is also taxable as regular W-2 income.S-Corp - With very few exceptions, an S-Corp pays no income taxes as an entity.  

I hope we're over-reacting.Frank Germaine, you might try a mold remediation company and also call a regular building inspector.

Fridge and stove is regular wear and tear You can charge them for the LVP

I was curious to what you know about Oshkosh or if you had a connection to there in the past that lead you to decide to invest there.I went to college in Oshkosh for a while and get down there regularly throughout the year.

Properties are in B+ and C+ areas, remodeled before tenant placements so just regular maintenance.

Started getting City warnings of junk on property, regularly, then $500 fines per event.