Now that this isn't allowed, individual LOs just make up overlays to turn that business away entirely.

@Bill Hampton if I may ask a follow up question, at what point should an individual consider using a CPA versus doing it themselves?

✓Requirements for a Delayed Financing ExceptionThe original purchase transaction was an arms-length transaction.For this refinance transaction, the borrower(s) must meet Fannie Mae’s borrower eligibility requirements as described in B2-2-01, General Borrower Eligibility RequirementsThe borrower(s) may have initially purchased the property as one of the following:a natural person;an eligible inter vivos revocable trust, when the borrower is both the individual establishing the trust and the beneficiary of the trust;an eligible land trust when the borrower is the beneficiary of the land trust; oran LLC or partnership in which the borrower(s) have an individual or joint ownership of 100%.The original purchase transaction is documented by a settlement statement, which confirms that no mortgage financing was used to obtain the subject property.

The current manager of my complex has been keeping the rent the same but tacked on a surcharge to cover water  (water is not metered to individual apartments) and property taxes.

Yes, you are correct the room is in the back, enter front door walk down short hallway (stairs leading up to the left and garage door on the right) pass the stairs and garage door and into the 13x13 room.My understanding is a closet does not need to be actually in the bedroom, there just needs to be a closet available for that room.

Also, it's hard for banks to sell to individuals off market because it shows favoritism (it is favoritism) so to reduce liability/impartiality and increase transparency banks almost always go through a 3rd party broker. 

@Marc Dube, definitely want a HELOC to buy/hold for 6 months, then refi into conventional loan...rinse, repeat until I get to 10 properties, then will have to look at other options since Fannie/Freddie won't allow more than 10 in an individual's name.

They also made individual owners responsible for upgrading the stucco within the boundaries of their unit rather than making a special assessment to do the whole building. 

You can also add on individual services and have the company assign you a specific agent to take buyer calls and negotiate for you for an additional fee.

The contractor can then enter between 7:30am and 8pm to get done what they need to do.After the 15 days are up and she's still not out, then you need an attorney to start the eviction process for holdover.