We have never collected that and it is not a significant cost.Also be very careful changing criteria mid stream, I would only change it between vacancies. 

With your brother’s $50K equity already in the property, this should make the loan-to-value ratio favorable for refinancing.HELOC monthly payment on $68K: ~$300 (depends on your rate and term).Lease payment from brother: $800/month.Future mortgage (refinance $68K over 30 years at 6%): ~$400/month

Today my rate differential would be a doubling of rates so my LTV may be at all time low.  

Memphis is a market where BRRRR is possible, but with rates going up again, it's not a great idea.

Also I have done it in the past whenever I had a change in plans and they never had the opportunity to actually be selected. 

Voucher amounts are reassessed annually, and they can change on a dime depending on the tenant's situation.

However, before deciding on a DSCR loan, it’s important to analyze your existing first mortgages—including their rates and the current loan-to-value (LTV).

For multifamily or commercial, the rental rate impacts the value of the property. 

Also, the vacancy rate was understated.  

Account Closed if you do a seller finance you could get a lower interest rate from HO then you can get at the bank.