@Rich O'Brien Hey, I hope things are picking up in your life now.Wanted to check-in and see how things are going as well.This community seems to be so helpful, I'm glad you were strong enough to post about your situation.

And don’t sleep on local banks or credit unions—they sometimes offer flexible portfolio loans that could work for a deal like this.Since your wife qualifies as a first-time homebuyer, check out any state-specific programs or HUD options for down payment assistance.

While technically negotiable, the Sitzer/Burnett case revealed that the industry practice effectively standardized these rates.

Others either have a check sent right to them or have another piece of property the get this STAR rebate for.

Once you hit a certain number of loans (check with your state dept of banking and finance or dept of business regulation), they might require you to have a license.

Perception of LiabilityLicensed agents are held to higher standards and may face legal consequences if they don’t meet fiduciary duties.

Hello Kyle,When screening applications for the properties that I manage, I always look for:- Income of at least 3 times the monthly rent (verified through the employer)- Credit score of 580+- Rental verification with past landlords (no outstanding balances, no late payments, and the property left in acceptable condition)- No history of collections, evictions, or criminal offenses- No overdue debt (except medical debt)I have found this screening standard very helpful when finding tenants who pay on time and treat the property well!

Check with your lender.

I use the calculators here and I use deal check as well.

I do it myself and takes 20 to 30 minutes a month (did it yesterday for Dec), with about 7 of those minutes for 1 property in Blount County, TN which requires the form to be manually filled out, write a check, address an envelope, scan doc and check for my records and walk it to my mailbox.