Suggestions on banks in Miami for pre-approvals...it's my first one so I'm just looking for references.

Professionals drill (two feet or the longest masonry bit available) into the hole every 24 inches around the exterior and interior (if the basement is not finished) perimeter of the building and spray the chemical into the hole.After you have sprayed the chemical in the hole patch the hole with cement so the rain doesn't flush the chemical out.

http://www.dce.harvard.edu/professional/blog/how-u...

It is also great that your wife is into real estate investing.Y'all ought to form some sort of corporation or an LLC after you get some professional help from a CPA and\or an Attorney.  

@William Hochstedler   William any anti skimming or pre foreclosure laws in Utah... ours are quite stringent in Or and WA.. if its a primary resi..  

Future readers/do-it-yourselfers- leave the popcorn ceilings to a professional.

@Brandon Vu  it really sounds like you should sit down with an experienced real estate professional and ask all your questions. 

I want to owner-occupy a multi-unit property (I'm looking at anything up to four units), and I've already been pre-approved by a lender for an FHA loan.

I hear a lot of people say that you should have your financing in place and be pre-approved before looking for deals and securing a deal.

Be professional, friendly, but firm.