RATES, are for most part, most applicable as a MOTIVATOR on action OR inaction.

I do not believe the 4 phases of a real estate cycle are applicable at this moment.

Some carriers have the question on the application itself unfortunately.I still ask, how can this be allowed.

You don't want to be lying on the loan application. 

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

I am wanting to do a cash-out/refi on a property CRA is auditing my 2022 taxes, bank won't initiate an application if taxes show owing. 

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

So you don't respond to the phone at all.Best practice: Send over the application and lease, the 3 day notice, bullet points on how it was served, the other unpaid rent for the second count, a check for the fee and ask when to be in court.

Before firing your current PMC, do recommend going over:1) Their screening process and how they've adapted to all the application fraud that's dramatically increased since COVID.