Home warranties are just like gambling... 

The best example in my family is my dad offered to guaranty some of his brothers gambling debts to some loan sharks.

It is so close to Gate 7 that the convenience alone and the relatively high income to Arsenal employees makes it a big win. 

Some may prefer to utilize the convenience of technology while others want to maintain personal relationships.

@Jacob Gamble The initial payment for the course and the exam

I have many clients using the 'dscr/cash flow' loans, and for the ease of use, convenience, and other factors, the cost difference vs a Fannie loan is usually negligible in the long run. 

Hi Everyone my name is David Gamble and I’m a engineer students that has a year and a half left in school and I’m looking to purchase a multi family home which I’ll be living in one unit and will be renting out the other unit.

Hey @David Gamble, Welcome to BiggerPockets!

I comped houses with similar square feet and found theres enough sq feet for 2 additional bedrooms, potentially hitting the 352k range. owned the property for a little over a year, with a 50k downpayment. original loan = 333kfinanced = 281kcurrent value = 340k (according to his loan officer)Ive ran it through the usual 70-80% formulas but wanted some extra opinions/ weigh ins before i send him my offer. of course i dont want to insult him, being family and all, but he understands the convenience factor im providing.

Give them multiple ways to contact you, and let them know they can do it at their convenience.