If it were more than three years ago and everything else on their application was perfect, then I would consider it.However, I've never seen that in 15 years of management with hundreds of rentals and thousands of applications.

My team is also well connected to this sector of the industry allowing us to be experts in Land listings as well as have access to numerous Off-Market Listings.

Its byproducts include over five churches and numerous community-building activities whose effects are still felt today.

There are just numerous variables and calculations you must analyze to check. 

Our portion out-of-pocket was the $3K deductible.I'm friends with numerous apartment owners. 

Monthly expenses will include mortgage payments, property taxes, insurance, utilities (if applicable), maintenance, and reserves for repairs.You’ll need at least 3.5% for an FHA loan or 20% for a conventional loan, plus cash reserves.

For the 2nd applicant, her credit score shows 770.

It seems that the councils who manage the planning process are very heavily over-worked and hence behind on planning applications. 

As far as checking your accountant's technical competence, you can use this old but still applicable questionnaire:https://www.biggerpockets.com/forums/51/topics/792277-how-to...Other questions that you may want to ask are listed in this post:https://www.biggerpockets.com/forums/51/topics/795929-questi...3.

@Marc Shin We're funding cash out refis for a lot of our most experience BRRRR clients right around day 91 (to pass 90 days of title seasoning) where we get the process started (appraisal, title, application, etc) around day 60  (plus or minus) when they have the place fully renovated and at least listed for rent (we'll use appraisers opinion of market rent to calculate DSCR).