@Greg Dowdell I haven’t done this, mainly because the landlord in RI is ultimately responsible for ensuring that the property has running water and sewer, which in practice usually means s/he pays the bill to ensure that’s the case.That said, you can certainly try to bill it back to the tenant, but if they don’t pay you will end up paying the bill anyway because if the water is shut off then you will have breached your implied warranty of habitability, and I believe it would count against you if you ended up in eviction court.So, basically you have to hope that the tenants are good enough to care about paying their water bills consistently, but not so good that they google (or ask) around and find out it’s ultimately the landlord’s responsibility.My main concern as a landlord would be how it would play out in eviction court. 

Can count to 20 using fingers and toes?  

So if the building has an unzoned attic or basement apartment the building still counts as a 2 unit and is excluded from the self sufficiency test allowing you to buy a "3 or 4 unit" with 3.5-5% down. 3) I found a lender on the west coast who can do 4.5% on a 5 year ARM at 10% down for 3 and 4 units owner occupant.

I count the number of contractor vehicles. 

I have now designed to many to count, and there will always be a feeling of satisfaction that comes with making the next one better than the last to satisfy your future guests.Each year as revenues go up, I always ask myself "what can I do better"?

The advantages of the 401k loan is that its generally not counted against your DTI ratios since you're borrowing against your own financial asset.

For that 25 day close of escrow, that speed difference is certainly a factor worth considering.... this lender in particular is presently getting most of my purchase business (even if they don't include weekends in their days count):

OSR's will typically want to see a minimum traffic count and likely have demographic thresholds - the broker should be able to give you insight on that. 

If the numbers work now and they might explode in the future, great but do not count on those numbers for the future

There's a rule (not sure what it's called) but multiple pulls on your credit within a 30-45 day window (not 100% sure on the time frame) can count as one credit pull instead of multiple.