Either you are mistaken about them taking 15 year notes, or they are getting more in rent than you believe, or they are not putting anything aside to cover any incidentals and are "winging it".

So my thought is HML to pay off the loan and then refi to cover the HML.I believe normal procedure would be that you'd buy the property off the Titleholder, and pay off any loans/liens at closing (regardless of whose names were attached to those). ie. 

Everyone believes you absolutely have to be on the beach to make money which isn't true.

I'm a firm believer in doing things right the first time.

Because you live on the property, I believe it will be easier to get the permit. 

Do you guys have any recommendation on wholesalers or listing I see any deals.I believe for apartments I would need to get a commercial loan that operates in those two states.

It is available through NAR, so I believe that means it is applicable in all 50 states. 

Trust me, it works and there are ALWAYS deals (even in this bull market, there are still undervalued equities & properties, believe it or not). 

Try  to make your messages more personalized, as suggested above.I believe this is a bug, and I'm going to connect with you  privately  to get more details so our developers can fix this.Thank you!

I believe to assume you ave to qualify still and put 3.5% of the balance of the loan against it plus a fee.