Not that that is ok, but you have to be able to definitively attribute a payment to a tenant.

You're absolutely right, and yes there is a benefit of going with a lender who offers both the Hard Money Loan and the refinance exit - Many lenders who offer this combo will often times wave the pts attributed with the second closing when you refinance into permanent financing.

I attribute this to the fact that we've never done business together.

They helped me determine if a heloc in first lien position was right for me, provided a list of banks and credit unions that offer helocs with the right attributes, and offer helpful bonus content like interviews with successful real estate investors.I am at the final stages of closing on my heloc, and am really excited to gain some ground on paying off my house.

Last week we had two from different applicants for different properties and were different employers that had the same suspicious attributes...- The format for the paystubs were identical and like no other stub I have seen

However, you cannot deduct expenses directly attributable to the rental period (rental agency fees, cleaning, and so forth).

Nevada's unemployment increased overall, but is attributed to more people entering the workforce.  

I guess the downside risk is if something happens in the common area that would be an additional expense out of my pocket unless it was directly attributable to a specific tenant. 

However, I've noticed that arguably the most important Attribute is being able to  "pull the trigger".

It truly shaped who I am today and many of the decisions I made after are attributed to my experience during the recession.