Some services only report on-time payments (not sure how that works).   

From a strategy standpoint knowing the reports available could be quite helpful. 

But also people are thinking of marching to the house of the lady who POSSIBLY reported the squirrel and burning their house down, so I think it's best I dont go down that route haha. 

Learn every word you don't recognize like you were learning a foreign language. 

If it was properly done, it's recorded and should be visible on the title report. 

The illegal in-law units/ADUs are somewhat common in the Bay Area - many people with paid off properties are collecting under the table rent money without reporting it to the IRS.

We have DSCR loans (non-construction) for foreign nationals.

Though I write that we’ll provide $XXX toward the funding of our borrowers’ next deal, like most lenders, I qualify it by stating that this is not a loan commitment but is pending approval of the property, an acceptable preliminary title report, and some other weasel words.Why any borrower or their agent would accept this is beyond me, but they do, and it seems to be what they want to keep the deal moving.

@Donald Aleshire - conventional lenders do not require W2 income, they require a 45% DTI based on the income you reported on your tax return (last two years average)

By using our agent and PMC as a resource we delivered a product that stands at the top of the market in the area, thus helping us secure our target rents and attract the best tenants for that area.2) Leveraging the Comps -> Using the comps report our agent sent us as a reference for the appraisal.