All the Denver city attorney cares about is what the law says, and a primary residence under the law is "a usual place of return for housing as documented by ..." and then they list a bunch of documents such as drivers license, voter registration, vehicle registration, etc.

If you stay in the same lane, you can avoid the taxes, but if you've just gotta change lanes to get around the slow driver, you may reach your destination more quickly.

In the spirit of understanding what's developing your opinion on there being greater risk today, mind delving into some of the drivers you're seeing that make you feel this way?

I'm not mad about that at all.

I told him that since he misrepresented his client to me, I did not feel comfortable speaking with him any further about the customer's loan, unless I received further authorization from the customer to do so.He got mad and hung up the phone on me.

I would avoid anywhere that requires anything but a drivers license.  

The second time they tried to open the lock on the service door with something like a screw driver, gave up and then just kicked it in.

FHA only provides owner occupied financing only while conventional financing you can go into primary, second, and investment properties.Documents wise there are a couple more disclosures with FHA upfront and during the process, however the loan documentation material you bring in is pretty much the same as conventional (paystubs, bk stmts, drivers lic, taxes, W2's, etc, etc).So while its more rigid in some areas its pretty flexible in others you just have to know how to use the product to its full potential and what the pitfalls are because there are some times when FHA is NOT the product you want.

For example, in our Mad River Apartments Project (*closed deal* here for example purposes only: 302u, Class B asset in Dayton, OH) investors received a 72k loss for every 100k invested. 

I'd probably be fuming mad after the first two questions.