I often hear, "Oh, I didn’t know" or "Oh, I forgot about that," followed by reluctance to go through the effort of gathering the necessary documentation.

Removing them would make the housing crisis worse, not better.At the end of the day, immigrants—documented or not—are a crucial part of our economy, not a drain on it.

They worked with me and had no issues explaining the steps and documents they needed from me.

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

It's not like other markets where all info is online and everything is super fast and easy.

I was reading online that it was 2.3%.

If you have a buyer's agent, you should have already signed a buyer's representation agreement and that fee/commission is disclosed in that document so you should very well know what that charge will be.If you were the seller and going to owner finance the property, what would you want to see from the buyer that tells you that they will be able to pay the mortgage moving forward. 

A&D has a 2nd position DSCR but not revolving - installment only.AO has a HELOC but self-employment documented for 2 years is required. 

. - Hence why all the DSR loans we've seen have a required document the borrower signs that states the lender will start foreclosure proceeedings if the borrower ever occupies the property.Please correct me if I'm wrong or clarify anything I missed.

The Stessa platform is not a full-service PM solution, it's a suite of online tools to track income and expenses, generate financial reports, screen tenants, collect rent, track capital spend, etc.