So until a tenant could produce scientific evidence of something otherworldly in their apartment, I would consider things business as usual. 

When the old cabinets and countertop were still there it was especially evident. 

But after we dove into this theory, it has us second-guessing what we want to do.The evidence is clear that owning your home is a bad “investment.”

The actual Census numbers don’t support the idea of an exodus.And the problem with your anecdotal evidence (and your realtor’s) is that it doesn’t consider the scale of the issue.

That doesn't become evident until you try and exit...... people think they will "hold forever", but most don't.... things change and you have to look at your exit plan too.

Non-admitted insurers are often a lot cheaper than their counterparts and are a way for your borrower to save money at the risk of nonpayment to you.Last, because we always seem to get the evidence of insurance at the last minute, insurance seems to be the number one cause of loan delays.

Boards on windows to property right and left=FEverything in a two block radius looks rented or owned, but three blocks over a few houses have boarded up windows or look abandoned=DMost everything looks occupied in a 4 or 5 block radius and you see several work trucks in the driveway or evidence blue collar folks live in many of the houses=CI don‘t buy A or B properties, so I can‘t help there.

My recommendation would be to approach the association with evidence that 24 of the other units in the complex are indeed rentals.

What kind of evidence was produced to justify this?

Thanks for being a part of that help and inspiration.It is evident that you have a lot of gratitude for the help you have gotten and I appreciate that you made the thank you public.Love it ...“ Over 100K in forced equity and positive cashflow every month.