Once the offer is formally signed by all parties, I'll have 15 days to get with inspectors and contractors and come up with a final number. 

John Underwood look at it this way, did you sign a contract with Homeaway to exclusively list on their site in return for a premiere listing?

I know I have given loads of advice and was even selected to speak at the bigger pocket seminar in Denver hundred years ago!

So I make the decision to give up on this guy and found another lender this is extension number three, while all of this is taking place the asset manager has been completely against me, it takes days to get any sort of response from them, they originally wanted to close in one week from contract, anytime I asked for an extension it would be for one week only, le me mind you by the time I get the extension a few days have already passed and the last extension I had to agree to $100 per day penalty, BTW I received signed contract from seller feb 22.

If you are in a local REIA in Memphis that has the people that are serious about winning in real estate give me an address so I can sign up.

Back in January I needed a place to stay because of work, so I found an apartment and signed a 1 year lease. 

But then you would be signing a new Mortgage stating you intend to occupy for another 12 months.If you were using the right loan officer from the start, they would have helped you structure better and use a Conventional Home Possible to buy your 2-unit, then you would still have your FHA available for the next property.In your case, you would need to refi to an investment property loan which is a max 75% LTV in order to buy a new primary right away using FHA.This is why it's so important to pick the right lender, because now you're stuck. 

Give him a document that you sign that states if he leaves the property vacant, clean and upon giving you the key's you will return his deposit...

Account ClosedWhen you sign the papers at closing, you will sign an affidavit at closing that you intend to live in the property for at least 12 months.There is a scenario where only one of the co-borrowers lives in the property.

To tag people simple type the “@“ sign and then their name.I also wanted to say that getting your REI license is a good step but just be aware that starting out is usually very slow.