It becomes like breathing air you just know how to do it optimally without thinking about it.I have seen syndicators take on loan assumptions with marginal terms and high fees or they used floating debt just to massage the numbers so they could hit a certain projected pref (hopefully) to the investors to entice investment of capital.

I’d recommend taking a deep breath and not worry so much about ARV, CoC and just look at a way to decrease your cost of living while buying your first property.

@Paula Hernandez First of all, Breathe you will get through this!!!

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-Take a breath.

We are waiting to see if they can make an exception, but not holding our breath. 

It's now time to take a breathe, collect some rent, and then start the process all over again.

What I learned over decades of time is everything comes full circle.You make your first 100k a year and feel you can breathe versus living paycheck to paycheck week to week with the bills and ask what do you want to do with life as a career or business.

It doesnt, and hasnt for a long time but my days of trying to waste my breath in efforts of getting others to not only see the errors in the law (cough, “codes”) but the overarching implications and control which some BS municipality will have over what they believe to be their “private property” by any definition i can find, is not. 

Just a small 10,000 loan would give me some breathing room for the next month or two.