Here is an A-Z guide i found online:  http://www.nycourts.gov/courts/8jd/pdfs/SMALLCLAIM...In my recent experience with small claims in Rochester, my hearing took about 7 minutes and judgment was issued to me right away.  

Also, by playing "hard to get" with banks, you can always dangle the carrot of doing MORE business with them if they do X, Y, Z. 

Let's say that is Y.So what is left is X-Y = Z.

@Nathan Gogo   @Brian Peals   @Nick Z.

Anyone who says that their prior landlord was challenging or had x, y, z issues might be a red flag for me.

@Aaron Z. - I don't own anything in Truxton, although I have wholesaled there.  

If you couldn't see a clear way and be prepared to handle what comes along from A to Z, it was probably good that you did not purchase that note.

But yes, that is the problem -- ther eis no universal box size for A/Z.

Then no deductions are added back or usedYou have a rental history on your taxes, then your deductions are added back to counter the expenses.Here the calculation your should be getting using your schedule EGross Rents; minusTotal Expenses;plusInsurance; plusMortgage Interest; plusTaxes; plusHOA; plusDepreciate;Equals your subtotal (X) of eligible incomeDivide X/12 (months)=Y (monthly eligible income)Subtract your current PITIA from Y= Z - Your total income available to offset your increase your DTI.Do this on all your property and you'll know your total net income available to add to your application.So yes, once you do this calculation, we wouldn't add additional expenses to your DTI.

Just think, you are trying to get to work this morning, the Red Line is down, and your tenant calls about X, Y or Z: you don't need this.