@Chris Taylor for me it was all about perception from other people, including family.

Do you mean the taxes and HOA payments show in the numerator of the DTI calculation?

I read numerous times on the BP forums on how PMs can make or break a out of state property, do you agree? 

We’ve sent numerous addendums to extend inspection timeframes because no one will answer our questions.

This is what I did, called about 40 local banks and credit unions, found numerous who would do terms that no other traditional lenders I spoke with could or would do.  

After numerous monster years, I fear not being able to that year after year.

I recently had issues finding financing at an 80% LTV (i.e. 20% down), most banks wanted to lend at 75% LTV (25% down), but I called numerous banks (probably around 10-15) till I found one who would give me 20% down.

This is after numerous emails, and texts to him that have gone unanswered.

Account Closed It's an interesting concept...I wasn't aware of the numerous tools out there...as an agent, we have access to Core Logic data and REALTORS Property Resource...we can grab 2 AVM's and RVM (Realtors Valuation Model) based on direct feedback from agents in the market...but that is all I have ever used.

Ways to find deals are numerous but the easiest and cheapest is Driving for Dollars and Door knocking.