I went ahead and pay the retainer fee to have anna as my retainer. so let see how this plays out

Your lifestyle, life events, and other income all come into play. 

Lol (inside joke)I love the deficiency judgment play, especially for the rent skimmers who have multiple properties!  

The reason for this is they should probably settle the estate quickly, vs some long term play. 

They've always wanted two years of tax returns.I know everyone says you "don't need anything" for DSCR loans, but I've always found that you... do.The key difference is of course that your DTI ratio plays no role in qualifying for the loan.I obviously can't speak for OP's experience and don't know who her lender is.

So, we encourage you to play-the-game.WHAT TO DO?

So debt to income will come into play.

It is true that the 1% rule is definitely hard to find but most investors are loving the equity plays and appreciation gains every year. 

I am not sure where insurance settlements come into play, but likely ahead of your position.  

You can see regularly companies and some individuals here on BP that like to play games and it happens to them.