In general, big banks dont invest a lot in their mortgage arms because they arent all that profitable.

The law forces investors to put 20% down.

On the 19th now the credit bureaus didn't all show up and we were forced to push it back another day because the scores didn't show until after my original  closing time.

While you can't force them to complete it, it’s a helpful document to have.If you’re looking for more landlord-friendly areas, you might want to explore options in Clackamas and Washington County, outside of Portland proper.

If I go with the 5900 policy I will be operating at a loss and I will be forced to sell the house. 

It doesn't work so great when you force it upon assets that are not a good fit. 

It's a 5 year ARM loan package, 80% LTV (appraisal value, which is sweet).

The higher % down payment will force the positive cash-flow.

I’m active duty Air Force (for less than six months) before retiring after 30 years.

I never missed a single payment and they made $50,000 in interest off of me over the last year so instead of foreclosing on me recking my credit for the next 7 years and them being forced to sell a house for less than what I still owe, it seems like a great win-win option but I was shot down over and over because the appraisal was just too low.