But I really don't know, I'm not an agent or a lawyer, so please seek professional guidance, for sure!

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

So we restricted local landlords who rent to families, and soon the town will experience the very real repercussion of no one wanting to rent to families and professionals.

Confirm what the no point option would look like in terms of rate/payment as you would want to refinance out of this program eventually and into a conforming product. 2.

See the chart from Fair Isaac Company (FICO) below: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% Source: Fair Isaac CompanyAccording to this chart, investors should use corresponding vacancy+tenant-nonperformance factors of approximately 5% for Class A rentals, 10% for Class B and 20% for Class C.To address Class C payment challenges, many industry "experts" are now selling programs to newbie investors about how Section 8 tenants are the cure.

I understand this may prevent me from getting the absolute best terms on a HML, so I'll turn to professional before I settle on a lender, but I'd like to start the shopping process on my own.

This will lead to many of the professionals in the same industries who already are not doing that well to fall out of competition and hence be "replaced'.

However, I saw enough that I believe that the information available is so imperfect and subject to interpretation that large losses would be an inevitable part of the program, as well as large gains.  

Readers should seek professional advice.

Any feed back is welcome