It cannot be seized by creditors except for specific, limited exceptions like mortgage defaults, tax debts, home improvements, or home equity loans.

And we’ve built up an impressive roster of caretakers, delivering exceptional results for our homeowners.

It isn't possible to have an opinion on whether the lien might be covered without knowing 1. if the lien was an exception to coverage on the commitment and 2. the nature of the lien. 

Upon annual walkthrough, discovered an animal hoarding situation (10 dogs when 2 were allowed on lease) with exceptional damage to the floor and walls.

The exception might be if you are focused on student housing, or a certain level of Executive homes. 

Provided you have a decent handyman, the time to manage my portfolio was probably less than 2 hours a month except for when I had to replace a tenant and get the unit ready.  

Current deal math: we can get this thing at $6,150 monthly carrying cost (all factors including utilities except our ongoing maintenance budget) and we assume we'll need to put in 100k of work over the next 3 years (good news is not all at once, we can cash flow it).

Functionally, it operates as a quad.When I attempted to refinance, the appraiser and lender would not proceed because:The property is zoned R-4, andThe previous owner renovated the building without pulling new permits.As a result, the lender will not treat it as a legal 4-unit, and financing has stalled.I’m trying to do this the right way and stay compliant while also unlocking funding.Questions for the group:1) What’s the best way to rectify this—rezoning, variance, special exception, or legal non-conforming use?

.- The only exception is if they are a W-2 employee of property owner.

Of course without knowing the specific situation it’s impossible to comment except in a general sense.