I agree with Stephanie - chances of finding a local credit union or bank that offers nonQM loans are probably slim.

Lets face it , chances of home prices dropping in the U.S are slim to none, anyone here planning to invest in real estate in other countries where homes are way cheaper than the U.S, in some countries you can by a mini mansion in good neighborhood for what you can buy a studio or apartment here, I speak fluent spanish so im looking at places like SA, Bolivia is on my top list. 

Hmm thanks.The industry is changing and brokers run offices haphazardly and have slim margins and outdated strategies. [ I spent long time with C21, then my own brokerage]Most brokerages I have a hard time aligning my concepts and strategies with so I stay independent. 

I have buyers paying full price and above chances Of somebody going around me are slim to none lol. 

I no longer call the previous landlord though as the odds of getting anything useful as slim to none. 

A 50k variance on a $1.5m should not be a deal breaker otherwise, your margins were too slim from the start.

Margins are pretty slim with small multifamily across most of SFL, unless you buy a good deal off-market. 

This is increasing demand in the luxury short term housing market (which is slim right now, prices are very high because options are so low).. so for the intermediate investor, maybe someone looking to get away from owning 5 rentals, this is an opportunity to invest $1.5M - $2M on a short term rental home that only needs 5 nights of bookings per month to break even..

I would like to bounce a couple questions off of you if you dont mind, regarding the 15 hour portion...you are right, the details when they send to you are slim to none haha.First question is....was there a book or anything needed for this portion?

Is the inventory still slim and competition high?