Hey Travis, I know this is very "broken record"-ish but.. would you mind sharing that contact info with me as well?

Even if we are never compensated we definitely want to put this on the record for others or at least for the MREC.We own several units in other states and self-manage but want a PM in Baltimore because it is a unique city.I'd love to talk to you about our PM needs and I'll send you a message. 

That doesn't turn around overnight, it takes years to rebuild.Given the less competition and the lower appetite for risk the remaining carriers have, I think we're going to continue to see some big premium increases for the next few years, especially for those people with claims on their records.

What length of time were you expecting an applicant to have a clean record for?

Often times when reviewing a application I want to check previous rental history and ask applicant the name of previous landlord. i then usually check that with county tax records.

I hope someone with experience can help.The property is a 3-bedroom, 1-bathroom house according to public records, but the current owner converted it into a 2-bedroom, 2-bathroom about 10 years ago without permits and updates to the records.Questions: I'm planning to use a conventional loan.

To address this, we verify the property owner per government records and use this information to vetimposters.Anything that seems suspicious will lead to us requesting an acceptable Letter of Explanation toaddress.Analyze IncomeMany landlords require a month of paystubs from applicants and just use these to calculate a monthly qualifyingincome.

We caught up the mortgage and paid the recording fees and were in a home!

According to public record and info from tenants, the owners purchased both properties in 2021 as a contract for deed.

@Sook Kim thank you for setting the record straight, I should have caught this when it was posted.