In other words, if your rents are $300-$600 monthly per door, you are obviously going to have a higher OE ratio than if you have $800+ per door rental incomes.Jon Holdman has also eluded to this fact on several occasions.

Now there are RARE occasions that the landlord chooses to have that commission be the tenants responsibility and usually the landlord makes an agreement with the security deposit in exchange.

I've found SOME bankers to be pretty helpful and even on the rare occasion able to think a little outside the box.

They have the background, temperament, and wherewithal to withstand getting wiped out on occasion.

my experience personally in other markets were strength of average home owner buyer is much weaker financing for sure will fall through on occasion.

Lot of "lender" here in BP suggesting newbie investor to investing using HML from the start LOL Yep, money makes money and there is no "easy/free way"I always suggested starting slow, small and with your own cash.Learn on your own mistakes first lolI was fortunate to have the best HML in the business with @Jay HinrichsNot just a partner but someone I also consider a mentor/friend.Lost his money on numerous occasions but always paid it back and that makes a world of differenceHML trust the borrower and their "know how".If the borrower F@#$'s up, they should also pay back IMOThanks 

You use the headline "... can't sell" but clearly describe the bank has had 0 trouble selling it as you yourself have on many occasions tried to give them exactly what it appears they are asking for, and the bank simply REFUSES to sell to you. 

On occasion when I have a problem with a tenant, we'll have a little chat and I'll say something to the effect of "I'd sure hate to have to raise rent a bunch to cover any damage the property received, so I'm sure it will be well taken care of won't it?".

Notice what paperwork the experienced landlord brings, and how they answer each question, as opposed to how the new landlord does.On the rare occasion that a tenant actually shows up to defend themselves, they tend to dig their own hole.

So don't sweat the small stuff.I would read the letter and if there was something I did & I overlooked it, I would be surprised, but it happens on occasion, then I would refer to the purchase & sale agreement to see what the remedy is.