It's a great area around here - I came for grad school and stayed for a girl =) 2. hmm that's an awesome idea, definitely something to discuss as an option with my lawyer!

I always found Quickbooks as having a certain amount of black magic in it, although if I had truly spent the time I could have learned the magic.

If your credit score and DTI ration tank due to the loans, but they pull your full credit to see that you have solid history...than really their main concern is...if I give you this refinance are you really going to pay off that other debt or are you going to keep the money and blow it all on black at the roulette table in Atlantic City...so long as you can curb their fears that you aren't going to do this...than you have success.Don't bother talking to Wells Fargo or Bank of America or any of the other big banks...you're going to be looking for smaller community or at best regional banks as well as credit unions who have more flexibility with regards to how they structure their loan terms. 

Unfortunately there will be a lot of the wannabes, but you don't know who will perform until they do so networking is always good.Some of the more convenient ones for you would be the Boston Area REIA that meets in Medford and the Black Diamond meeting that meets in Waltham.

What I'm saying is PMs view your property as a black box. 

It is possible that he will continue to pay his share... or maybe they will talk to you about the girl finding another roommate to take his spot.

I was living on the military installation and saw black mold.

Kicked shoes off when I got there and unpacked in socks: my socks were black.  

I didn't enter of course, thinking it was a possible lawsuit trap.2) When I did my own repairs, was fixing a small electrical issue on a duplex rented to college girls.

There is no black and white answer to this.