Otherwise, id say stick with the refundable deposit and explain and rationalize every possible loop hole the tenant might find and argue with you about.

Including-Grass not fully mowed (rational and we agree)-Bike outside the house (seems nitpicky)-Dark color on the bricks (not even noticeable in the picture and ridiculous)-An AC unit visible on the side of the house which has been there at least 6 yearsAll of these are at least within view the part the REALLY bothers me is the following.

The only way I could rationalize it was maybe a section 8 landlord would invest there but probably not..

Account Closed If you're trying to house hack, you might be able to qualify for a very low money down mortgage, but your debt-to-income ration would have to be sufficient.Otherwise, you need to network and provide whatever services possible to people already in the business so that they would learn to rely on and trust you, and you would learn as you go and build connections.  

For the record I think everyone warned you about the problems not because they doubt your experience or acumen, it is because most folks who become emotional, like when helping others tend to be a little less rational than they usually are. 

[/quote]Any two rational numbers can be expressed as a ratio/percentage -- in fact, that's the definition of a rational number. 

A home with a 1:1 ration of baths to beds is not too common so that's worth a premium.

If I'm correct so far, I'd have gotten rid of this property a long time ago...that is if I would have bought it in the first place.Don't rationalize a bad deal into a good one.  

(Debt service coverage ration).For instance if your PITI payment is $1,000 and your rent is $1,250, then the owner writers will not count the payment of the property against your personal dti.

I think if it is a true relationship they would want you to do the same and lower your debt to income ration by having the lower rate and the commercial banker would want to have you know that you now have a much more stable portfolio with the fixed rate product.