They just can’t post it online.If you were going to be doing a lot of “driving for dollars”, that might become somewhat time consuming though.

If you pick option 1 you'll consume some of the equity of the condo just to sell it (realtors fees and closing costs), and then you'll consume the rest paying down debt. 

As you likely know, evictions in Massachusetts can be costly and time consuming for the landlord.

I've seen wasteful tenant consume almost 30% of gross rents for utilities.What you really need to do is dive into the books and see what is Net Operating Income. 

Now, you as a consumer may not even know that they have an overlay....and their "entry level" loan officer may not know either. 

By signing below, applicant(s) give permission to (1) current and former employers to release any information about applicants’ employment history and income history to the above named person;(2) current and former landlords to release any information about applicants’ rental history to the above named person; (3) current and former mortgage lenders on property that applicants’ own or have owned to release any information about mortgage payment history to the above named person; (4) bank, savings and loan, or credit union to provide a verification of funds that applicants’ have on deposit to the above named person, and (5) to the above named person to obtain a copy of applicants’ consumer report (credit report) from any consumer reporting agency and to obtain criminal background information about applicants.

It’s comforting to hear that with as tough/time consuming of a job as yours that you can make it work.

I have consumed vast amounts of content ranging from books, periodicals, newsletters, while also listening to over 1000’s of hours of podcasts and webinars.

Keep in mind that ARMs do help banks more than most consumers. 

There is tons of information and I am happily consuming as much as I can on this site and from books.