I wouldn't spend the time, 10% is a beautiful rate on self storage, best I've heard of in quite some time.

Look how this beautiful range hood instantly elevates the look of this kitchen.Consider butcher block counter topsIf a little paint can’t solve your kitchen problems, but it’s not in the budget to upgrade to quartz or granite, consider butcher block countertops.

It is one of the smallest, least expensive homes in a beautiful sought-after golf community, with the majority of homes being in the $600-900k range. 

@Ashish Wa You have to be careful with local laws but ESA is definitely a red-flag.

Kidding aside, there are some red flags here, but not enough info to advise upon.Mike

If the newly built property is rented, a DSCR works beautifully.

Some years it might be in the red but I have the means to put money in if it does (though not ideal).Not everybody can do this.

The absolute funniest is you did ZERO of answering the borrowers questions . kudos to the rest of the colleagues on here with beautiful detailed replies answering the borrowers question 

I've gotten to the point where previous home ownership is a big red flag to me.

That is a beautiful thing for a single income household but is nowhere near enough to reach the financial security and lifestyle I would like for my family.