@Shawn Thom Thats unfortunate, although it doesn't really seem to be their fault directly.Are you going to continue working with them moving forward or are feathers ruffled after this experience?

Please provide me one.Edward,Thanks for the great story gives me hope to continue on.

Thought you were an examiner and understood what the purpose of bank regulatory policy was all about, but either you're playing dumb or you really don't know.Government is necessary in a capitalistic society, it doesn't function efficiently without government.

I think that DM will stay really competitive this year and will continue until the real estate market slows down.

If they then tell you about extraordinary circumstances you can decide if you want to accept it or not.Paying bills and being responsible is a basic life skill and I don't have time to deal with people that can't function on their own and need me to babysit them.

Another thing starting off, the two year employment rule to count income can be waived for a new graduate out of school working in their degreed profession with a letter of continued employment expected, that might help later on. :)

Such an awesome place here, I am so glad I stumbled in this site.I have a question with hope that you can point me out to some direction.I am a stay at home mom and will continue with this wonderful full time job for at least another 3-4 years if not more.

I'm here because I want to expand my knowledge of real estate and ultimately, continue on my real estate-related goals (financing a new development, REIT's, real estate sales).

If you plan on obtaining more real estate prior to the tax returns getting filed and therefore have no rental income reflecting on your last schedule E then you may need to tell the story such as you have done here and show them past reservations, etc. in order to justify the likelihood that the income will continue.

Gary was bad years ago and continues to get worse.