Ive also had lenders provide some information over the phone so long as the seller was on the line (3 way call) and was able to verify their identity. 

Arguably, these two ratios are nearly identical.  

On the pro side, it can hide your identity and adds a layer of difficulty.

I had a tenant last month who had issues with stolen identity and some unauthorized transfers from his account....he was 3 weeks late with rent and didn't pay a late fee.....and mine is pretty steep.Here's my late fee:"LATE FEES: Time is of the essence.

Here are the numbers to put this into perspective:4 identical 2 story units2bed, 1.5 bath w/ parking and laundryPurchase price $150k + $5k buyer premium 25% down = $37,500 cashRepair estimate $40kActual repairs so far $55k (mostly credit)Rent $900min $1100maxMonthly Expenses $2200mo estimated (plus credit payments until paid off)I have utilized my excellent credit to fund a majority of the repairs on 0% interest credit card offers in hopes of having the tenants pay a majority of the debt prior to the promotion expiration.

Originally posted by Steve Babiak:The reason is quite simple: the listing agent will be more likely to "support" an offer when the listing agent is getting that additional commission (from the "double dip").I'm sure that does happen frequently :), and that's fine if all things are equal (i.e. 2 identical contracts).

I would believe the principal would go down from Feb to March if the monthly payments are identical (less days in Feb = less compounded interest so more principal in Feb).

It's my car, my identity, fits my lifestyle and I can read a book during my commute.Rural areas would become more valuable as the length of your commute is much less important if you can nap or work or do whatever you want as you ride.

Like spending some time thinking about your identity, and $10 at Vistaprint to get some cards, is what is preventing you from making offers.

The 3rd column is used for expenses I might add later, or to add up expenses that will be multiplied (the identical bedrooms).