Contruction is about half way done on I43 and I41 and the areas served by improved access will likely see an increase in value and populatiry.

Or maybe three months later.I would get a second opinion on both and figure out what it will cost for you to make those improvements.

If more investors actually improved their property to the point that it becomes the best home on the block in the Class D community, they would attract a great tenant and will help uplift a community starving for reinvestment in the process.  

.)- How it's going for you- Learning Curve- Time savings- Any increased improvements in your business as a result- Etc... 

I would ask the lender you applied with to disclose how they calculated your DTI... sometimes they fail to add back in depreciation or deduct costs from your schedule E like tenant turnover, improvements, etc. that shouldn't be included in the DTI calculation. 

Clearly the big push-back from Curbio would be their need to maintain similar decision-making control on the improvements.

Thanks Even if you don't break even on a house hack it can still be worth it because money you save is less money you need to earn (that gets taxed) which can really improve your financial picture. 

Further, you won't need to rely as much on appreciation and rate cuts to improve the cash flow situation.As others have pointed out, you can't overstate peace of mind.

But I could also profit off depreciation of the property annually, appreciation (especially if I make improvements), and tax deductions.

That's only 45 bps for 30 days, rarely is it this cheap. 2) If you have time to move somewhere else, you can A) go to another broker and get other non-QM quotes and threaten to leave the current broker if they do not give you a free extension/come down in pricing as rates have improved, or B) Tell current broker to get other quotes from other non-QM lenders they work with.