This people are a pain in the ***.

I have the MLO and continue the CE but as you mention, the call reports etc, are very painful.

Call with the pitch that you're local, started this business due to your mom's health, and that you'll outperform and out-service a multinational company that is likely taking your calls/messages in a Vietnam call center. 

I am sorry to hear that and understand the pain of putting money into an investment property?

It would be a long, painful, drawn-out learning experience for you, and unless you plan on specializing in assets like your duplex for the next 10-15 years to get your real estate investing career off the ground, I don't think it's worth it.I do speak from some experience here, Marlia.In 2017, I bought a duplex that was a converted from a big old single-family.I bought the duplex for $5000 at the county sheriff's sale.

Small pain for long term gain though.

The exception to that would be health/safety items required to rent/occupy is such as GFCI outlets in appropriate locations. 2.

I am currently living off a small amount of self employment income, savings and 401k due to health issues so I don't go on the financing per my lender. 

It is effective Aug. 1, 2024.This ordinance is referred to as the Source of Income Discrimination Ban Ordinance" - which is identified in File #231019 and amends sections of Chapter 38 (Civil Rights) and Chapter 34 (Health and Sanitation) in the Missouri Revised Statutes for the purpose of classifying source of income as a protected trait in regard to housing discrimination.Here are some key takeaways from the attached ordinance:This ordinance bans discrimination against tenants based solely on:Source of income from an occupation, including gig work or paying rent in cash Use of public programs like Section 8 Housing Choice Vouchers, disability checks, or social security Poor credit score Prior evictions and alleged damages older than 12 months (less than 12 months can be a basis for denial) Prior convictions or arrests (sexual and violent crimes are excepted, a landlord can still deny based on these convictions)The ordinance also requires the city to proactively scan for rental ads using discriminatory language like "no Section 8" or "no past evictions".Landlords who are found to be in violation of the ordinance with respect to source of income can be fined up to $1,000 per incident.

I do not provide medical interventions for mental health problems.