That said, if we can balance the budget, I'm in favor for tax breaks all around, not just the middle class...

How about buying a 2-4 unit property and living in it for a while to get the more favorable owner-occupied rate?

Unless the new job has a real likelyhood of improving her income and this really is a "short term" ditch, you aren't doing her any favors by letting her drag the situation out if the $ situation means that like-it-or-not she needs to find cheaper digs that match her current income.

Ted, that reminds me of a REO years ago whee I just felt that the bank was trying to cut a deal with a favored buyer.

If you sell it and take a loss it will hurt your ratio If you hold it and rent it for a loss, it may hurt the ratio less as you're not experiencing the complete loss right away Maybe you could owner finance it to a non-conventionally qualified buyer for more favorable terms.

I got started the old fashioned way, by saving capital.

Not sure what current lending guidelines are, so I'll use the old fashioned 28% percent limit.

The HOA has never been formally organized for owner input and participation and there's likely too many unsold lots to purchase in a fashion current lot owners could afford.

If on the other hand you collect a non-refundable option consideration and at the time they go to move out you offer them an incentive (lets say $500) to clean up real good then you're doing them a favor.

I have noticed that people on both extremes of the political spectrum often suspect the government of being against their end of the spectrum, which probably means the government is not really favoring either side.On a more important note, I have no idea why we even have hate crimes.