Which means there may be some elements of a distressed property.

@Bing Lin, well that does add a little element of complexity that probably needs some discussion outside of forum. 

I’ve read numerous books, listen to tons of podcasts, studied sales at Cardone University, I’m organized, fast at learning, and am currently enrolled in the Elite Legacy Education Training which was started by Robert Kiyosaki.

Depends on the loan size, but there are numerous portfolio lenders out there that don't require tax returns. 

New water heater, new stove, new fridge, numerous repairs, and a water leak emergency that I should have fixed on my own but went with a company who charged me $700 to fix something I could have done myself for basically free.Now, I probably have a bit of a crappy house with all the things that have gone wrong with it, but I also had super conservative estimates behind my CAPEX and maintenance.

While I'm sure this will vary from appraiser to appraiser, I've noticed in my markets that appraisers seem to be more willing to use older comps before they'll extend the radius of their search.I've been in your position before (numerous times) and here's the approach we took (sometimes it worked and sometimes it didn't - just depended on that specific appraiser):If you had multiple offers on the property, make sure the appraiser is made aware. 

Shaneka Pedersenhttps://www.elements.org/spedersenWe had STR income that was used on a mortgage with elements FCU

Originally posted by @Tom Gimer:Tom I have been approached numerous times on BP  and other things like Linkden and facebook by faux lenders I go ahead and let them  go through their elevator pitch what they do and those that really don't know what they don't know about the world of lending and finance is they provide things that we know are not germane but the person they are targeting gets impressed by those items..

There are numerous reasons why someone with good credit and DTI would be renting instead of buying.

We were under contract on a property pretty quickly but after numerous extensions the deal fell apart.