My question is, does anyone have a Master's in Real Estate or an MBA emphasis in RE?

My education background is in business with an emphasis in finance, so main contributions to her are strictly from a numbers standpoint.

Personally, I put MUCH less emphasis on credit and most of my energy into their rental history.

Each lender will place a different emphasis on each factor. 

ABoR attributed this market share to the areas's appeal as a global destination for businesses and individuals alike, noting that one in five Austinites is foreign born."

That way if you do ever get sued, you have proof that you were proactive in maintaining the standard and it's not your word against theirs.Here's the law about the 90 days (emphasis added by me):460.100: Duty of Owner(s) of Residential Premises (B) Whenever any residential premises containing dangerous levels of lead in paint, plaster or other accessible structural material undergoes a change of ownership and as a result a child younger than six years old will become or will continue to be a resident therein, the new owner shall have 90 days after becoming the owner to obtain a Letter of Full Compliance or a Letter of Interim Control, except that if a child younger than six years old who is lead poisoned resides therein, the owner shall not be eligible for interim control, unless the Director grants a waiver pursuant to 105 CMR 460.100(A)(3).

I understand cash flow and appreciation are important for first time RE investors, with probably more emphasis on cash flow.

It's a global pandemic and we're happy to have good, solid renters.

This is extremely well documented, the Wikipedia page is pretty comprehensive:https://en.m.wikipedia.org/wik...At a high level, the early 2000’s push for everyone to own a home via deregulation led to massive amounts of lending to people who couldn’t afford the home, and when they started defaulting it threw sand in the financing mechanism of the global financial industry....so banks in general froze up and presto, global financial crisis.

Elsewhere I guess some ski markets and a few beach markets are still strong but I doubt on a global basis they are anywhere close to 2019 numbers.