If the payment is $150, we calculate it at $150.If the student loan debt is deferred or in forbearance, we have to use a completely idiotic calculation that will instantly nuke your DTI basically no matter what.

Once you approach the right house, I'm sure, you can work your persuasive magic face-to-face and do an instant assessment of the home right there.

Send me your contact info thru IM and let's schedule time to talk.Jason No problem trying to figure out the instant message thing..

Even when I bought my current residence, with what little a access I had to the MLS, I knew I was going to have instant equity with some cosmetic upgrades to my home. 

Instant equity at the buy.

I just recently discovered the biggerpockets.com podcast and instantly became hooked. 

We got one duplex which was older but tons of recent updates that was assessed at 130K for 78K at an estate auction (50K of instant equity) and the rents on that 78K purchase bring in about 1400 month, getting to around a 1.75% per month rent ratio.

If done correctly, the first mortgage holder gains instant ownership of the property if the buyer (second mortgage holder) fails to abide by the terms of the contract. 

I use Redfin for my initial searches because I like the instant email alerts.

Do you know the ninja trick for how to file your 2015 taxes early and have it instantly validated so you don't get stuck in 4506-T Hell while the IRS spends months "processing" your taxes?