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(My wife refuses to go back to apartment living and we are expecting so it is out of the question to move to the city permanently)I am concerned that this will not qualify as a primary residence since I won't be spending more than 50% of my time in that residence.

But if you give them your lease which doesn't make any impactful changes, then they won't generally be bothered with it, and then you know that your tenants are abiding by your rules.

FORBEARANCE WILL NEGATIVELY IMPACT YOUR CREDIT!!!!

@Yannes Chiang I’m a multi unit investor in Canada and have been interested in investing in multi units in Chicago.The prices are fine but the taxes are high enough to impact the cap substantially.

Here's why.If this roof isn't replaced now, and it poses a problem after you close...1 month, 6 months 5 years, whatever...down the road, you will be coming out of pocket for the cost...for the entire amount, at one time.If you replace it now, as part of the rehab now, and fund it as part of the initial loan, your client will be paying for it out of the rent...at a cost of far less since the cost impact is spread out over the loan, and is reflected in a minimal cost per month in the loan payments.

and her mother immigrated here as a permanent resident.

But they essentially haven't been allowed to impact prices yet. 

That’s a 7-year impact to your credit that doesn't seem necessary in this situation.

I don't see this impacting my plans at all, at least directly.