I am attempting to refinance two rental properties.  My loan officer has indicated that my debt to income ratio is really close, and it is going to come down to being able to verify each and every rental payment.  I h...

You must rationally defend your entire application and review process to reach a legal and unbiased result: approved or not approved.And....GO!

Sometimes the worst deals you make are the ones you get where you rationalize it to being a good one. 

@Marcus Auerbach@Greg ScottThank you for sharing your thoughts.The current market presents an interesting dilemma.A couple thoughts:Investing requires optimism about the future of a property and or location.There should be rational and logical reasons supporting that optimism of course.The “maintaining one’s underwriting standards” is an interesting concept - that one should only invest if certain return metrics are met.

Don't try to make a deal work by rationalizing bad into good. 

Accepting mediocre returnsSometimes investors try to rationalize paying more for a property because it’s turnkey and already has tenants.

You should be looking to buy in any market, but wait for the right opportunity and don't try to force something to work.It's very easy for investors to rationalize and make excuses for not buying as we've all seen the last few years.

Telling people that they are right when it is clear and obvious that they are justified and rational to be objecting to you is a great way to get them on your side.

You are trying very hard to make rational arguments with someone who is being irrational. 

In today's market, I think both could be rational and healthy.When others are greedy, be fearful.