They'll be able to list it at a competitive market rent value and will likely have possible tenants in mind.

just algebra, or you can plug it in online calculator.If your resulting DSCR is 1.1, not good.

Would you mind chatting a bit more with me?

The E-Myth by Michael Gerber- Start and operate your business with the consumer in mind... not you... not your product or service.

Keep in mind that your competition is also scared of rates and staying out of the market.

You can probably find an online link about how extreme temperature changes are not the ideal way to heat a home and cost more in the long run.I don't know what the local rental rules are where you are, but look them up and see if you can give her notice. 

LOC's can have negative effects on your future purchasing power if not set up correctly and keeping in mind you can "never" use an LOC as a reserve or asset.It will always be a debt burden and can over inflate your back end debt ratios depending on the W2 income and your liabilities.

It takes actual thought and a programmer's mind to be able to build a CRM into something that's actually effective (sure a basic person could setup a phased text message or email automation, but it's tying everything together with opportunities, automated campaign re-entry/follow-up, social media integrations/automations, etc that is the real value).

It boggles the mind that anyone is still believing their nonsense. 

Hi Michael , would you mind if we connected so I could ask you a couple of questions about their services etc Hey man, sure shoot me DM!