And this new banker asked me How did I know Mike as it was not common for him to deal with guys our size.

Lower-skill jobs have higher turnover, and companies that hire for these roles are always hiring and are likely not the pickiest employers (for example, the average annual restaurant industry turnover rate is 79.6% from 2013-2023 – 79.6% of restaurant employees leave their job every year).

Got back to the tenant's apartment and turned out to be the wrong size.

This plus the fact that when the kids are gone her housing needs will change, lead me to recommend that she rents for next 3 years until kids go to college, then consider WHERE she wants to live; the size of the house, condo or apartment, etc.

Curious if your employer matches your 401k?

Some people refi when the rate improves by at least 0.5%, but this is also dependent on the loan size.

I worked with them once and everything went smooth, small sample size.

The size of the home.

Another way of thinking about this is self-managing your property; you wouldn't report "management fees" in expenses and then have that portion in "self-employment" income. 

This land is CBD and my neighbour has a approx 5000 sqft building on the same size parcel.