Now some of those neighbours look at me wistfully from their gardens, confused that the deal lost traction.... water for brains as my friend puts it.

And that is what I thought as well, and hence my mass confusion. 

That is one I am little confuse between investing or living in it

I guess I'm confused on how you could be buying a house subject to for less than what is owed; unless of course the owner is paying you cash to take over payments. 

@Christy Brinkruff - your post is a tad confusing to me.

@Todd Ashley that's not a Covid overlay, that's a regular FHA guideline, but this is where most people get confused, including many LO's too.This only applies in order to use rental income from the UNIT you are vacating, you need to show 25% equity in that property.  

I think you're confused as to why people target Cleveland.

Then depending on what utils tenant pays, the FMR gets reduced by the utility allowance.I have a MSEE and the math they use is confusing as all heck.  

The 30 day timeframe can be confusing.

Its one event after the other, and although I'm extremely grateful for the experience I am gaining managing my own property, and dealing with such a complicated tenant, I don't know what my legal options are since we cannot evict anyone until October 2021 or if i even have grounds for eviction (New Jersey).I'm 29, and The tenant likes to push boundaries to see what they can get away with. they confuse my age with lack of knowledge and seem to take advantage of the situation.