Homeowners have become more sophisticated and many understand that it is usually foolish to sell their home off market compared to going to market and stirring up a bidding war.Along with that, less homeowners are interested in selling due to rates are going up, plus if they sell now many ask the question "with housing prices having gone up so much lately, if I sell, where would I go?

Then move onto a Verification of Rent for last two years.We also focus on stable income & employment by asking for a YD paystub AND last year's W-2, plus a full two year work history with mm/yyyy start & end dates.Get a bank statement to cross-reference payroll deposits and a recent utility bill to validate occupancy.

Sophisticated investors invest on cashflow where the rents exceed the mortgage plus expenses (and enough money to pay for professional property manage to do our dirty work).

It's simple, most of these folks are  IRA investors, not sophisticated, experienced lenders, so K.I.S.S. rules.

Financial statements of Balance sheets, profit/loss, cash flow.Project time tracking (can also use towards accurately capturing payroll)Bank & credit card transactions, online payment capabilitymobile app friendly, cloud storage option, scalable.PDF friendly documents - without the Adobe subscriptionDocusign friendly - without the docusign subscriptionTrying to limit the exposure/time the client has to access the proposal and make a decision.

Better yet, I look forward to the day when I have a handyman on the payroll and have enough property to keep him busy and well paid.

I have a small property management business that I get payroll from (s corp).  

Hi Patrick, I see this a lot with sophisticated investors that can afford not to cashflow.

In college, I was always able to hold conversations with a more sophisticated business class crowd, throw on my cowboy boots and yuck it up with the country boys, and 30 minutes later be the life of the party.

But would hate to go backwards, and yes in a year or two hope to be off the payroll.