If it's a PML then traditional lending regulations wouldn't apply as far as I know.

I had just recently applied for a mortgage loan, but had not checked credit score in about 8 mths, however last time I checked score was a 705 on all 3 agencys, after applying I had only checked with experian assumed may be a little better, only to find out my credit score was 635 I have some school loans which I have missed some payments in distant past, have not missed a payment in 4 yrs only owe about 4800 left, 3 seperate loans required to pay 100 mth and I pay 125, and one other outstanding dept it is to a bank, for a previous closed account, which I owe 215$ it was from 09 for a 1$ overdraft which they kept billing me 30$ a day for a week before I was notified needless to say I was extremely upset and closed account, I know stupid I should of taken care of it and will as soon as posable.

Andy Ballester yes I've watched basically ALL of his videos lol so hopefully I can start applying them soon!

Assuming girl friend is not on title, or has a written lease, and comps say you can do a quick flip.Verify loan balance, with a pay off request from lender.You could buy sub2, since you're doing short term, then give girl friend 30 day notice to vacate, start eviction as a back up.Then clean it up and flip.1031 does Not apply here, it's for long term investments, not flips.

Keep studying and keep networking and growing and apply what you know.

These blogs is written for the state of California if you don’t at least have a basic understanding of the real estate principals and real estate financing applicable to your state, I suggest you go to your public library, book store, amazon.com, whatever and get a copy of the real estate principals, financing and laws that apply to your state.

I would not be a business, so i am not sure those regulations apply to me?  

I think that theme applies here.

I also did not say it must be stored, just that your local laws would apply.

If the resale market is not quite right, you can convert the property to a rental for up to three years prior to sale, and still apply the capital gain exclusion on the sale of a primary residence to your sale profit.