As an alternative, underwriters can do a cash flow analysis from the business tax return (2-year average) and exclude the personal liabilities from your credit report if the mortgages have been paid from a business bank account for 12-months.  

The bank is offering 2 options for modification.

Unfortunately the 3 asset classes that banks are not fond of right now are rural properties, commercial office space, and vacant land. 

If the bank finds out, they can terminate the mortgage.

How do PMLs evaluate the potential of a real estate investment differently from banks?

Also, many of our investors like to keep their cash in the bank and use our money to make them more money to put in the bank. 

Just google bank rant loan calculator and find the right calc.

The small bank I used does desk appraisals up to a certain volume.

You can close in the business name/LLC here.You are not required to have your investment property in the business name, however, some lenders and bank may require it if they are a purely business purpose, lending institution who servicing companies, mandate commercial purpose only.And yes, finally you can get landlord insurance.I recommend shopping around and comparing a few quotes to get started happy to connect to talk further strategy and detail.

The bank is requiring a private road agreement and there is no such agreement in place as of right now.