(and the suburb that I bought my Cincinnati home in exempts all pension income from the local income tax): )  Oh, and my primary residence property tax bill dropped from $8k per year (CA) to $3,700 (OH) per year.

I am primary buy and hold SFR-4unit.  

Own a primary residence in a safe and quiet area.3.

I don't know who to contact, but I live in Phoenix area and am thinking to start with a condo but will need some financing.Just sold my primary residence so no debt, good credit and will be living in my condo which I own free and clear.Looking for advice......

Does your lease state that the premises should be kept clean and orderly?

Property value $360k~- Property owner is self employed, can't get a loan from a bank- Primary residence for ownerHow would you underwrite this deal (property and owner), negotiate terms, ect?

@Greg FontenotHey Greg, some ways (outside of paying someone 100s of dollars to skip trace them and find a number) are googling their name and seeing if you can find something, searching their name on Facebook to see if you can find and message them, or search that property address on your local tax assessor site and it should tell you their primary residence.

This journey has been VERY trying at times.My first commercial bank got bought out and would no longer loan to out of state investors.My second bank wanted 25% down, plus 6 months worth of reserves for the properties, plus 6 months worth of reserves for my other properties, plus 6 months worth of reserves for my primary residence (even though it was a commercial loan), plus 6 months worth of my credit card payments, plus the tax returns of the seller, plus the lease agreements with the current tenants.A third broker I was dealing with didn't understand for some reason I wanted it to be a commercial loan even though I repeatedly told him so.A fourth banker finally got it, was responsive, and reasonable.

The "premise" section on my specs identifies what software platforms they need to know and understand in order to integrate with my project.

IMHO anything other than a clean contract negates or nearly negates the premise we are operating under- which is a bird in hand is better than two in the bush.