In my experience, they will decrease LTV but will still fund.

Risk increases somewhat, but headache decreases significantly. 

Why would decreasing that make it worse?

I'm also pretty sure some of our tenants think we might be backed up with Russian mafiya muscle.

Increase income or decrease expenses.

Saying no is like building a muscle.

All of this was detailed in Promissory Note.  3) Every time he makes a payment, I send him an updated balance which shows all payments and the decreasing balance as well as due dates on upcoming payments (easy Excel spreadsheet).If he were not to pay the challenge then becomes trying to collect. 

There was a massive influx of SFR renters who used to own homes and weren’t going back to apartments and and even larger decrease in supply.

I became visually impaired and unable to care for myself due to a stroke and I had to learn how to use all my muscles again.

You could speak with the bank about their required ownership percentage and decrease that person to below this limit.