It was a pain- but it worked, and I learned SOO SOO SOO much from it.

Doors are a way bigger pain in the *** than I accounted for.

. - put all 3 room tenants under 1 lease so all the "illegality" and the rooming house question disappears: now its a legal lease that has 3-4 tenants on it sharing one unit.

I feel your pain.

It was a pain in the a$$ and I spent a TON of time hiring/firing property managers and my study of the local market was wrong so I ended up overpaying and the rent didn't cover all the expenses.

Last time I refi'd an investment property, it was a long painful drawn-out process. 

Which one in would be a less pain free way, May I request all to please share your experience, with inspection, roof expectation of the lender and over all in general, I have already delayed to reply and will need to pick on one of them today, so I would appreciate any input from you valuable experience.

All these things can be used to deny an applicant if you get "negative energy" from them and think they will be a pain in the backside. 

And it can be a complete pain.

That money will go much faster than anyone expects and the inheritance retirement plan disappears.