I am curious to know if the income far surpasses your expenses or you are just very confident about your expenses and can declare yourself retired with a ratio of 1 to 1.

I used 203kcontractors.com to find my contractor...and he has surpassed all expectations. 

Doing this is what will allow you to surpass those in the local market.

The level of interest I’ve been getting on my most recent listings has surpassed even my expectations.

However 1 word of caution is that the value of the land can not surpass a certain percentage of the overall value.

Not surprised at all when their suggestion was to lower my rates.....As a businessman, when you are already achieving and/or surpassing your goals, it is not time to lower prices, it is time to raise them.

But on track to surpass it in 2022. 

Is there any way to get a loan to surpass this hurdle and if so I'd love to connect with anyone that would be of aid. 

With longer occupancy and nominal rent increases each year, you can reach and surpass the 1% rent to price ratio threshold.The biggest mistake I see investors make, and I mean no offense to anyone because after 20+ years as an investor I still make mistakes, is that they don't consider the quality of the area, the home or the management of their asset when trying to hit the 1% "rule".  

It will surpass Denver as the largest metro in the state by 2050 because weird is our about it and there's a lot of spillover from Denverites seeking lower prices.