At least this is the way it should function with rational buyers...I'm not sure what the paper community does here or if this really happens much since the partial duration is so short.I would love to hear why this isn't the case if I am missing something.Mini balloons or "bubbles" distort the modified duration for series of cash flows based on how things are structured and thus should make the instrument more or less sensitive to interest rate changes.

Go ahead and calculate your debt to income ration and put together a portofolio of your rental properties so you can show you know what you are doing.

DSCR stands for debt service coverage ration.

Wouldn’t the whole system be more efficient and rational absent this large distortion from GSEs purchasing the bulk of loan product?

I think that most people have recognized that they don't want to work 100-hour weeks for the rest of their lives to optimize ROE and thus they have made the completely non-amateur and rational decision to diversify their business into activity that allows them to enjoy the fruits of their labor at some point.

This will reduce your DTI ration.3.

I'm curious what the advantage or rational might be for not sharing information here on Bigger Pockets.

I would say the assignment fee will change based on closing costs, and could not be figured correctly until the day of closing with pro rations , payoffs and everything.

If you do that, you will only be obligated to make the lower amount and should you qualify for another loan, the minimum required will be used to establish your debt-income rations.

They are very different things (at least to most rational people)...