I don’t want any problems between the tenants but I don’t know how to make this girl turn down her music Don't get involved unless:1) Lease Violation2) Police ReportEncourage you to tell the tenants this!

Yes — 5% down on an owner-occupied 2–4 unit can be possible, but it’s not as widely offered as people think and it’s very guideline-dependent.A few points that usually explain the confusion:Many lenders will do 5% down on 1-unit but require higher down payment on 2–4 units (often 15–25%) depending on the conventional program, unit count, and the borrower profile.Some lenders simply don’t have the product appetite for 2–4 unit owner-occupied, even if it’s technically allowed under certain guidelines.Expect tighter overlays: reserves, DTI, rental income treatment, condition requirements, and sometimes LLPA hits that make it less attractive for the lender to offer.If you’re house hacking, the most common low-down paths I see people actually close are:FHA (especially on 2–4 units) if you can tolerate MI and the appraisal/condition standardsConventional options with higher down (varies lender-to-lender)If you want, share the unit count (2/3/4), target price range, and whether you’re trying to use projected rents to qualify.

Practically speaking, the path forward usually involves confirming whether the restriction is actively enforced, whether there’s any amendment or variance process, or whether alternative uses (home office, guest space, storage, etc.) make more sense short-term.

Civic INVOLVEMENT. 

@Adriana Sirignano does Ma still have their first time home buyer programs and would you qualify? 

@Eric Hanfling first of all, great job in taking the leap and getting involved in real estate.

As the situation rolled over into the Twenty Teens, the government adopted a "Home Affordable Refinance Program  (HARP)" to encourage lenders to refinance existing homeowners with problems.

Same for 2-years of job/income stability.Tenant Default: 10-20% probability of eviction or early lease termination.Section 8: Class C rents usually meet program requirements, proper screening still recommended.Vacancies: 10-20%, depending on market conditions and tenant screening.Cashflow vs Appreciation: Should cashflow immediately, at the lower end of relative rent & value appreciation.Class D Properties:Tenant Pool: Majority of FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, but should have no convictions/evictions in last 12 months.

While the thought of using Excel to create and format my own CMAs doesn't scare me, I figured that anyone who had done real estate before me might have some simple tools to share.

I just wanted to put this out, maybe plant a mustard seed for some, and just hear some honest replies to what my experience has been since getting involved in the investment industry.