It becomes pretty sad if the relationship is backward.

Trying to recoup capital by refi, Could I be safe figuring backwards that if I could get dscr of 1.25 I would be close?

My lenders bends over backwards for my clients due to our relationship and alignment on what we expect from each other.

You realize that you can't go backward and you're not sure of what you are going to get if you move forward.

Essentially you work backwards. 

Forgetting that the data is old AND backward looking.

Define your goals and what you need to achieve and works backwards with how much money you have to deploy.

Working backwards at 6% cap rate you’ll need approximately $4M.  

If people made 10 dollars an hour before and the sub sandwich eating out was 15 dollars for 2 people and now you make 14 dollars an hour but that sub sandwich meal for 2 is 30 plus dollars you didn't go forward you went backwards.

I would recommend this in a polite but stern way - to show that you aren't here to bend over backwards for them. 4 - If he's living in the space, you NEED an amendment to the lease ASAP.