Another issue I have been dealing with is that I am recently divorced, and the banks will now only count my income but all of the debt on all 4 properties, even though the divorce decree gave her all of the liability for 1 of the properties and half of 2 of the others...I am being told that my debt to income ration is going to always include all four mortgages.This portfolio based approval option sounds like what I have been trying to find, but no one seems to be able to do that.

There is no rational reason to respond that way. 

What would a fair offer be for a non performing note with the following criteria:loan amount 195kdown payment: 25%Interest rate: 10%five year balloonamortized over 30originated 6/15/2018no payments made by borrower (45 days late today)licensed servicing company in placeHow well did you check out the buyers credit, debt to income ration, etc.

There is not a chance in hell I will start a new lease with this apartment and I would never apply to any apartment with a policy like that.Some other thoughts I had was ,what is rational for this? 

Trying to rationalize an offer that's realistic for the market while providing upside for the work needed.Any feedback is appreciated!

I went to school at a small private school where I graduated highschool with basic algebra I dropped out of college and started working at a bio rational pesticide company working 12 hour days on the weekends and 1 day during the week.

I was able to look at my spreadsheet to quickly see that the project was running underbudget and I was almost done, so I rationalized spending the extra amount to really make that part of the kitchen pop.  

If you offer 30 year amortization with a 5 year balloon you would be costing yourself over $50,000 in interest.The only two rationals I see are if (1) the property will only sell for $135,000 if owner financing at 0 interest is offered ( in which case it is not worth $135,000), or (2) you are thing about offering a loan which fully amortizes in 5 years (so foregoing interest brings down the high monthly payments significantly and equity build fast).Both the above scenarios are "marketing ploys", which are used much more extensively in high interest environment, rather than our current low interest environment.  

I’ve rationalized my offers to my broker by running my numbers by her.

Rationalization is the most expensive word in teh REI vocabulary