Big Box lenders (and  some little box ones too) now play the change of circumstance game to have another whack at the fees apple.  

It's completely messed up but you have to play the game.

However, I use them wisely and play the zero interest games, not 20%!

If a new prospect calls and the phone isn't answered, you're very unlikely to ever get them as a tenant.Valuation: This is a pure income play. The

In the past I've always been amazed at how much better the lenders can do once they are challenged by the competition (re: rates, loan orig. fees, etc.) but I hate having to play the game each time.

Or do I need to convince my agent to make a lot of lowball offers and play the numbers game?

And to some extent, everyone will be right, but for the game-changing factors that we can't find in our crystal balls.I do play the appreciation game, but I do it on a neighborhood level.

I'd just play the role of being a tenant otherwise they'll come running every chance they get.Anything consisting of more than 4 units will be considered 'commercial'.

The funny thing I learned about the average labor person in Mass, you know, the husky dudes wearing flannel, is that they would prefer to sit in their basement smoking pot all day or hanging out at their basement bar with their buddies bitching about having no work and playing video games or still thinking the crappy band they are in is cool because they get to play the local PNA or Elk's lodge once every few months.

On the other hand, if you bought that house with only 3.5% down and it was producing negative cash flow, you'd be in the house of pain at that point with few exit strategies other than to foreclose or shell out money every month out of your paycheck if you were able ...So, leverage can be very good or it can be very bad for you ... if you play things conservatively to guard yourself from the downside risk, then sensible leverage can be a very good tool for a skilled investor to utilize.