Maria Villamar I wouldn’t overthink this.

Ok, Thank you so much Maria!

Thank you, Maria, for the suggestion.

Hi @Maria McCreless our company has been sending mailers for over 15 years and found it to be a great tool to locate motivated sellers. 5% is a good initial response average.

With that said, I'd like to share 2 of my desires.Desire 1: Once I am financially able, I hope to house and care for the less fortunate, namely widows and orphans. 

The property is owned by an elderly woman who was recently widowed.

Originally posted by @Maria Flowers:This is a great thread, especially for those of us who are new.

She’s 76 and widowed, living and maintaining a 3.2 home alone on a reverse mortgage.

The only reason we chose her is because she could pay for the year up front (she is also a "widow trying to rebuild" and we are kind people).

@Maria Marrero  Dept Service Coverage Ratio or DSCR for short, is the amount of Net Operating Income ( NOI ), which does not include your mortgage, Divided by Total Dept Service (TDS) ( usually mortgage payments, equity loans ) so the formula is: DSCR=NOI/TDS.