My strength is probably on the valuation side based on my prior work experience.

We all have different strengths and weaknesses, so not every job or business suits everyone.

If the investor is not on the loan, does the lender accept that the down payment is provided by an investor and that I have the financial strength from a debt:income perspective to qualify for the loan?

Not to say the other markets don't have strengths, Flagstaff and Sedona are beautiful, Tucson has the University, etc but in general Phoenix is over 75% of the state's population and has so much to offer.

Play to your strengths and what differentiates you from other investors.

The grade really shows the strength of the tenant to pay rent and stay in the property.

Chuck Fowke, chairman of the National Association of Home Builders (NAHB), is quoted in the article as noting that “Despite strength in buyer traffic and lack of existing inventory, builders are slowing some production of single-family homes as lumber and other material costs, along with interest rates, continue to rise.”That said, over the 12 months we’ve seen a 36% increase in permits, but a delay in construction.

My original loans were written at 90% LTV with a 20 yr amortization (10 yr balloon payment) because of the financial strength of my original guarantor.

Having both involved gives you the strengths from each and makes up for the weaknesses of each.

Either way you’re coming from a place of strength though.Best,Jon