Thankyou @Joshua Dorkin , @Brandon Turner @David Greene and @Mindy Jensen for the podcasts to help get my creative ideas up and running with their exceptional podcasts and insight.

His VA caseworker was at his whits end, and so was I because we had already turned the entire building except his unit because the other tenants could not stand living near him.  

(except if you live in a market CA, Oregon, Washington, etc etc). 

@Patrick Liska  PA DOES have state inheritance tax, and it applies to PA real estate, even if owned by somebody out of state, like NJ.  0 percent on transfers to a surviving spouse or to a parent from a child aged 21 or younger; 4.5 percent on transfers to direct descendants and lineal heirs; 12 percent on transfers to siblings; and. 15 percent on transfers to other heirs, except charitable organizations, exempt institutions and government entities exempt from tax.

Nothing is free, except all the best things in life.I suppose an offer like this is worth looking into.

Note that the rules change after 5 properties and one of the restrictions is you cannot cash out refi on any property except your primary.The other option is commercial financing, which you can do unlimited properties (even SFH) but the rates and terms are not very good

One notable exception to staying away from Panama City is The Cove.

If people could just make up that they intend to rent all rooms out in a single family home, except for "their" spot in the garage, to juice up their "mortgage qualifying" income, we'd be effectively right back at stated income. 

No costs at all except for a $60 yearly fee.

However, these states have exceptions for two notes or less brokered within a. 12 month period.Next is residential non owner occupied.