If your new servicer wants to play games, file a complaint with the CFPB and dispute with the credit bureaus.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

You only want to file a claim if it's much greater than deductible or your rates shoot up pretty quickly. 

If you provide any kind of substantial services like catering, car service, etc you will change you tax situation and no longer can file under Schedule E.

If they do not respond within X days, refuse to terminate the agreement, or attempt to charge you for termination, consider filing a complaint: https://www.mec.mo.gov/MEC/Conflict_of_Interest/Compliance_C...HOW TO FIND A PMStart by going to www.narpm.org to search their directory of managers.

My investor clients are typically happy with a small return right now but are buying on the idea of refinancing and getting future higher cashflow, principal paydown, and appreciation. 

Here is how the Roth conversion works: you can convert anytime between January 1st and December 31, and you will receive a 1099R from your IRA custodian or 401k plan administrator before January 31st of the following year, which will be included in your tax return filing and that is when the taxes will be paid: at the time you file your tax return. 

One of the major driving factors for increased premiums is the carrier's requirement for higher replacement cost limits on file for buildings. 

Keep personal and business finances separate to create less headache.You should also do the following to make your bookkeeping easier:- File all receipts in a dedicated Google Drive folder.

I think I have a generic contract and assignment in my files.