I am a transitioning Army Officer who has been moderately successful in real estate investing doing live in flips between military destinations.

Contact your local government zoning office and they can help you understand what is permitted to be built there and the permits you require.

My advice would be to have a banker/broker/loan officer pull her full credit report and take a thorough look at everything causing the low scores.Quick fixes for just score improvement can be having a family member or a partner add you as an "Authorized User" on a credit card with a 30-40% credit balance to credit limit ratio. 

Thanks everyone Your loan officer just messed up and didn't realize that a duplex requires 15% minimum as an Owner-Occupied home for conventional loans

@Lesley Resnick There is a attorney named Daniel Copeland that has an office off of old kings road that can set this up for you very economically and tell you all the details.

He also said that he would be able to pay everything back before the eviction goes through so that might be another reason why he's not as worried about it.I talked to a law office today and I think I'm going to start heading down that route.

Using a promissory note (which spells out the terms) and a deed of trust which should be recorded with the county recorder's office (which is your debt instrument which liens the title of the property for the amount owed) is the best way to construct this deal you have with your family member.

I am not 100% positive on that answer so I was not able to speak intelligently on the topic.

You have to commit to at least 10k pieces, and every drop happens on the last Tuesday of the month.EDDM through the post office will cost you around $0.30 per household, but you could hit fewer households.If you want to have the head-of-household's name on each postcard, it gets more tricky, and you might be best served going through smaller specialty mailing companies.

LOW RISK INVESTING WITH FLORIDA TAX CERTIFICATES by Jodi Hockinson who worked in a Florida Tax Deed office most of her career.