Cash-on-Cash Return Cash-on-Cash, the popular real estate investing return, is explained including its meaning, shortcoming, and formulation...Debt Coverage Ratio (DCR) A ratio investors and lenders use to track and compare debt-related outcomes for rental property and measure financial risk...Gross Rent Multiplier (GRM) A quick and easy way to determine whether or not a property is priced in line with other similar-type properties...Internal Rate of Return (IRR) The time value computation that shows the ratio between future cash flows and initial cash investment as a percentage...Loan-to-Value (LTV) A computation related to mortgages that lenders use when financing investment property as a measurement of their financial risk...The Maximum Purchase Price Calculation A calculation investors can make to determine the maximum price they can pay for an income property to at least break-even and avoid a negative cash flow...How to Compute Net Present Value Net present value is explained along with its formulation and use in real estate investing...Profitability Index The time value computation that shows the 'proportion' of dollars returned to dollars invested rather than the amount...Rental Income Property Cash Flow A fundamental look at rental income property cash flow for those of you new to real estate investing...Sinking Fund Factor Know the amount you you must start setting aside on a regular basis now to cover a capital expenditure scheduled in the future...Tax MattersIncome Property Operating Expenses and the IRS Tax Code Learn what operating expenses should be included in a rental property analysis as well as what the tax code says about operating expense deductions...The Recapture Tax Real Estate Investors Face When They Sell The seldom expected recapture tax real estate investors expect to owe the Feds after they sell their rental income property....The Cash Flow After Tax Calculation How to calculate cash flow after tax step-by-step starting at the gross scheduled income...The Depreciation Allowance According to the IRS Tax Code How the IRS figures the depreciation allowance for investment real estate along with its concept, limitations, and formulation...Understanding Rental Property Depreciation and Recapture Tax Rental property depreciation allowance and the recapture tax associated with it are explained...AnalysisCap Rate or GRM?

Maybe that's what you've already formulated with your $3,000/mo offer.

Fighting robbers is not smart, and you should probably formulate a written policy for the future.Your attorney will have your back, and will make sure you don't say anything egregious, but you definitely don't want to hide. 

If you do not have credit look at start establishing it in small positive steps.If your credit is bad think about what led to those decisions and formulate a new plan to turn it around.https://www.annualcreditreport.com/index.actionGood credit can help you to borrow good debt at low rates that helps you create more cash flow.

Currently I have no investment properties but I have started formulating a timeline and a plan that starts with me buying one in the first part of 2022. 

I think that will give you more data to formulate your thesis.

It's a little better right now, and if you are ready to buy, then get with a solid agent who can help formulate a plan to find success in this market. 

Income, tax returns, etc. are all measured and formulated in those loans.  

Your best bet would be to consult with an attorney to formulate a plan and stay proactive.

Worst case scenario is not being able to refi unless I come up with $50k.Austen Mueller, I tried using the duplexes and square footage to formulate the value of my 4 plex but was told that they do not translate and they would only compare another 4 plex.It seems like I may have to walk away from this deal.