I'm very motivated and excited about starting and feel lucky to be in such a healthy market to start this journey.Thanx again

I find that over-communicating (from an introvert's perspective)  is crucial in maintaining a healthy living environment to be on the same page of expectations.   

I don't have a whole lot of equity there yet, but I anticipate a very healthy appreciation over the next few years.As for my day- I'll probably never fully quit. 

The platform/ STR strategy has been working for me successfully for years now, and we are still seeing very healthy appreciation in our market ( lots of room to go).

I'm an investor... a borrower myself.I'm not implying that there are not challenges in lending and I think that a healthy conversation about it would help both sides of the coin.

However, a healthy discussion to ensure that both spouses agree on the course of action never hurts!

I would like to say I've picked up a few pebbles of wisdom with that chapter in my life and I can actually smile now looking hindsight. 

However, despite his poor health, I don't actually think it would effect the plan I suggested.

I did not say an exception to federal law, I was saying exceptions vary state by state.If you're going to say banks waive something, be specific to the small banks you deal with and not make it sound like all banks will or even could waive something, and I'm pretty sure what you are calling a waiver is probably nothing more than a comment on the phone saying they wouldn't call a note.The DOS is a tool in the box banks have to manage interest rate risks, I can tell you that FDIC would not smile about banks handing out "waivers" in writing saying they would never call a note due under the DOS, won't happen.

Have a happy, healthy and prosperous New Year.