For purposes of this section, the term debt issuance costs means those transaction costs incurred by an issuer of debt (that is, a borrower) that are required to be capitalized under § 1.263(a)–5.

There’s ashes on cardboard boxes, weed smoke the last time I was there they didn’t realize I’m part owner and thought I was just a hired worker so they smoked multiple times then abs now it’s ashes and candles.

@Adam Craig  Mulch and cardboard boxes. 

The issue really is one of a change in the way we operate as a society, but if society desires these changes then it needs to accept the consequences. 

Unless I was already living in a cardboard box under the highway, that does not seem to be a move up.

I do not think you will have any issue renting out to students as long as everyone is still wanting to come by not just to learn but have a good time.

You can certify today that you will be the primary resident and then lose your job next month and have to move for a new job...things happen2) Have your Attorney review your Note and Mortgage documents to determine if some form of action by you is required should your residential status change...most of the time the answer is no3) The likelihood of a bank putting you in default when they are getting paid regularly is slim though I'd be doing a dis-service if I said they couldn't do that4) There is no "rule" as each lender's requirement is different...some are Self Certification Only, some are 6mths, some are 1yr and some are 2yrs...it just depends on the loan type and issuer...again, the exact language will be expressed in your Note and Mortgage and unless you committed fraud by saying you were going to live in the property and yet had no intentions at all, then most likely no issue exists5) There is no asking a bank for permission in my opinion...not sure if I know of any Residential Status Change Authorization Desk... 

The way I read it real estate investors that borrower private money are issuers of notes and deeds of trust (issuers of securities) and as such are required as of Jan 1, 2013 to file this formwith the California Department of Corporations if the lender is not accredited.Do you comply?

Heat, this can become a issue real fast.

Have the tenant contact the debit card issuer and ask if the card allows "ACH debits" as if so the card issuer can provide the routing number and account number to use and the tenant can enter it like a bank account in a payment service.