so that is really more important at this time.I will just be much more aware as I rent again.Thank you all for your comments!

To be safe, and stay out of court, learn your own state codes.  

How do I stay with my anonymous to public, yet not to the bank?

Ok we were not aware that your background is as a wholesaler or real estate agent, there is nothing that we can see that tells us that. 

(I'm in the northeast, prices are high yes, but stay with me...).The sellers numbers that they are presenting (water, electric, maintenance, mgt etc) in hopes of making this deal LOOK ENTICING TO A BUYER show that after financing the new owner at this price would be left with about a $10,000 annual LOSS!!

Just be aware each jurisdiction in the area has different laws regarding renting in law, or in law like suites.

You can't in other states.You should stay in your backyard starting out.

But as for the claim, that would go on your car insurance, not my insurance.Tree Lady:No you are responsible for anything thats on your property falling on our property I will put a lein on your duplex and go to small claims court so please be aware of this I'm not messing with you I will see you in court everything is documented and I will get ahold of finance company where this duplex is financed through I already have your insurance info so thank for talking with me

Kyle - if you want to determine if  conventional financing is  possible for you at this time ...I would recommend connecting with a loan person to get a formal  pre approval  in place  for any scenario you  care to work with  ...this  process is free and  help analyze credit / asset/ income / employment  and   if  you aren't able to  get pre approved at this time - you can  then be aware of any  facet you  will need to  work on ….thanks

They specifically want to stay in SF and use the equity in their home to invest.