In this case, after speaking with local real estate agents, a local appraiser, and a half dozen lenders, I think (hope) I'll get away with my err in judgement this time and procede as "by the book" as possible going forward.Regarding the insurance, everyone has stories about insurance companies trying to weasel out of their coverages.

We'll see another round of layoffs into Q2 of 2024 if corp sees Fed is standing pat. 

It took off months later with many of the new buyers in the market consisting of NYC residents looking to get away from such a huge metropolitan area and into a NJ suburb in time for the next catastrophic event.

That’s not to say necessarily say you shouldn’t buy real estate, just that it’s asset just like a stock or bond and should be thought of that sane way not as ticket to early retirement.

In some areas of San Antonio you might get away with this, but I still think in some ways it's going to increase the amount of people who will pass on the unit. 

Prefer Sparefoot since they show you the price.Type in Round Rock/Austin/Temple/Waco/Killeen or just type in one of them. 

He feels that if something is legal and he can get away with it, then its moral.

How did you get away with keeping all 3 as STR?

The first unit needs a little work but I think I could rent for $1000/month in general and that is what I told my friend I would rent to him at.He hasn't submitted an application because he told me he's trying pay off some overdue parking tickets and just wants to be in a better financial spot before committing.

Actually,  $7,000 is what the p/t painter quoted--I hadn't asked her to price the radiators, so in my post I rounded up to $10,000 to include them and other incidentals.