This is a good to know point that the underwriters would be looking at the ads for rentals. although linking that to your application is unexpected.

If there's a big unexpected repair, will you not have that $100 for that month?

Delighted to learn you're already working rentals in B'more.

Historic homes are awesome to deal with, but they can also be a pain in the butt, because there are always unexpected things and expenses.

Being a landlord requires substantial cash reserves and the ability to deal with the unexpected.

"Now, obviously, mortgage lenders do not have a crystal ball: they cannot predict if someone will lose a job or have an unexpected financial emergency," Antonakes added.

Did you leave an allowance for the unexpected?

They provide the banks but that makes sense to me since they are doing so many units if everyone did their own banking it would be a nightmare all around.Also, I suddenly had a couple of unexpected situations on my end in the middle of the transaction and they are working their tails off to counsel me and help me. 

So I just don't see the unexpected need for contingency.

It will probably be something that is totally unexpected, at least that's how it typically happens for me.