@Denise Cook, If you're simply looking to get financing for a duplex in Philly, you would not need to inquire about commercial loans because it is under 5 units.

In NY the process is:Write offerSign contract with 5-10% deposit (This is where you have the deal locked up.)Due diligence, appraisal, inspection (I've never seen an investor supply financial statements honestly, usually just tax bills, rent rolls, oil/nat. gas bills and insurance.)Assuming everything checks out, you're clear to close.

Maybe the heat goes out and they need to push the button because they ran out of oil.  

My business partner and I had invested in oil and gas in North Dakota during the last oil boom, in 2010, and could never find housing when we went there.  

@John Cook The expenses should be proportion to rents.

The Nest seemed like a perfect compromise for keeping Mom comfortable and with a sense of control while not cooking the rest of us.

Man camps for oil field workers are nothing new around here.

I was evicted for no cause, I paid first last and damage deposit to move in, my former landlord breached my lease when they signed a quite lease with an oil and gas company just two months after my lease went into effect.

There is Chicago and Cook County which have some bizarre rules and then there is the rest of us.

We have natural gas in our building but if you have Oil I would certainly have a tech come out and make sure it’s burning clean and not causing stains.