PM me and I can send you my template for this.Before I started handling these myself, I used: George Gibbs who's based in Charlotte but works state wide from what I understand.

Based on most of the work I do with HMLs/PMLs on behalf of my clients, 12% at 70% LTC seems a bit more conservative.

I've been studying different real estate strategies and would love to understand more about how the permitting process is evolving in that area.Did the realtor mention any specific changes in local ordinances, or was it more of a general observation based on market trends?

As @Chris Seveney mentioned in the other thread, the qualifier for accreditation is based on 1981 prices

Investment also spiked in Class A Short-Term Rentals (STR) and investors started paying higher and higher prices based upon anticipated STR rental rates, that exceeded sustainability based upon Long-Term Rental rates (LTR).

Some DSCR lenders will do it based on expected rent but still, they would not want you to be doing an owner occupied home with their loan.

Hello BiggerPockets Community,My name is [Your Name], and I’m based in Orlando, FL.

You may need to increase or decrease the expenses based on your situation.

I am a CT based investor, flipper and property management company owner.  

Steven, I wanted to get your thoughts on a few Philadelphia suburbs based on my buy box.