Here, in Portland, we have to offer an option for Appealing a denial.

I would make sure financially you have a good base and then connect with a local agent

Be sure to explore all around the forums as well as many of the FREE tools that Bigger Pockets provides.I am on the lending side of things and am always happy to hop on a call to discuss loan options that are out there, even if not offered by my resources.

Based on the data I saw from ABOR the median price YoY (2023 to 2024) was slightly up (around 2%) and the rent was flat to slightly down.

Jeff and John are extremely reasonable and may give you a handful more great ideas based of what your end goal is.  

But the ‘investors’ funding letter in black & white says ‘this offer is considered cash’ & it’s signed by Nick Raimondi of Insula Capital Group, a private lender for Real Estate Investments.

Then make your decision based on information.  

Will they base their calculations solely on the income from the two legal units and disregard the non-conforming basement?

Each CPA will answer the questions uniquely based on their interpretation of the tax law as well as your specific scenario, so I highly recommend having a trusted CPA answer this for you.

Scott Johnson refuses to comply with an arbitration and non disclosure agreement with us, we have offered him to enter into binding arbitration, which is required per our terms of service and agreement he signed.