You send huge volumes to compensate for the poor performance (0.1 conversion rate).Do you know what is utterly stupid?

I write and share a lot about my experience, the market there, and even openly share performance history and numbers on my own rental portfolio.Happy to send you and anyone else those resources.

Also I shopped very frugal, I would buy a lot of material wholesale or through auctions, and also I had the ability to buy from a former employer, a manufactured housing factory, that was also a huge savings for me.I had to do this deal this way.

I would strongly encourage you to shop around for other options for this particular scenario.

They've always wanted two years of tax returns.I know everyone says you "don't need anything" for DSCR loans, but I've always found that you... do.The key difference is of course that your DTI ratio plays no role in qualifying for the loan.I obviously can't speak for OP's experience and don't know who her lender is.Hey Nicholas - most one-stop shop brokers look at lending options other than DSCR.

The county assessor has it as $502 but says that is a placeholder for all land values in the Pima County area.Our next option is to find a RE professional who can perform a limited scope land appraisal by pulling land comps from the area. 

It's always the new ones that shop you to death and are asking for unrealistic terms. 

I would reach out to Brenna Carles at The Mortgage Shop 

Owners mistakenly ASSUME all PMCs offer the exact SAME SERVICES and PERFORM those services EXACTLY THE SAME WAY, so price is the only differentiator – so, they often select the first PMC they call or that calls them back!

I recommend you work with a mortgage broker that works with 220+ lenders to help you shop for the best lender for your situation!