Two, more importantly, it works now in certain parts of the country because of their low capital cost basis and more importantly, the current low-interest environment, which allows them to own SFR as rentals with bare positive cash flow in lower-priced markets.

I'm new to BP and so far love the environment.

What if this creates an environment where people I don't know are soliciting property owners in my name?

But yes, I think in today's lending environment a lot of banks/lenders will look at rental income as part of your DTI.

The biggest thing was to be exposed to a number of high intellect people in a learning-focused environment (and no crippling student debt for which I am very grateful). 

Meaning we don't compete against each other directly, so there is no real market force that would make them act differently due to some competition environment. 

The loan terms as you describe them are mostly likely the result of an aggressive small bank, and the previous low interest rate environment.

There's enough different folks on this forum operating in different markets that you might get some valuable input.I think one of the biggest things is, does the macro environment signal growth?

Even if my tenant is late with the rent, I still check in on them and make sure they are well and the house is in good condition, and a clean environment for them to raise their children there.

(Adopted 1/07, Amended 1/12)Business competitors can and must coexist in a mutually beneficial environment without bashing each other.