Pendleton Heights is another option that is alittle closer to Crossroads/Downtown KC. 64109, 64110, 64111, 64114, 64124 are a few of the zipcodes

I run into this all the time being west coast based by the time i wire out to fund.. it hits the closer at like 4pm and now the seller is sitting there grinding on them wanting a paper check for their proceeds .. out this way nothing is paper check its all wires.

He all but laughed and said they were closer to 85%.

But if you could get closer to the park like around Cuyahoga Falls, STR do well but are also seasonal. 

If you want to be closer to LA, there are some cities close by that are still STR friendly, but they are quickly going away. 

It's a combination of things like new jobs, new home is closer to existing job, new home has a bigger yard for my dog, fiance and I broke up so now I don't need as much space, bla bla bla.

Just double checked the exact timing and it was closer to 3.5yrs of ownership but got no - I received no pushback from NACA.

I’m in the Jax market, reach out if you would like me to take a closer look at your listings to see if we can identify the problem.  

Or if you want to do it, learn to buy distressed, fix up and pull money out but not as much as people think like 80% probably closer to 75%.

I don't have as much info as the lender that pre-approved you, but based on the info you've provided and assuming you have decent credit, there's a good chance you can get that rate closer to 6%.