Speaking of iteration, allow me to share with you the iterations and processes we go through in our Multi-unit Acquisition Program: After a client gets pre-approved for financing, we go through multiple deals to find the best ones that meet our metrics.

Different lenders can view income in various ways depending on who you speak with.

Speak with someone you know in leadership or on staff and express your interest casually.Frame It as a Solution: Highlight how purchasing the property could be mutually beneficial.

I am of the opinion that cash flow underwriting comes second, after first nailing the long term deal fundamentals, how strong is the equity upside and market generally speaking. 

But, that is not always the right answer and you should speak with someone familiar with your personal situation to get advice specific to you.

If I remember you left your family in Vegas at a birthday celebration to come speak.

Luxury vinyl floors, no carpet means quick turn arounds.  

I'm a little biased but I think having an accountant that specializes in real estate and speak your language can always be helpful.

Good luck getting that info from the guys who don’t speak English who cut down your trees for $1200. lol Not many people follow rules on anything, so?

Speaking from my experience with DSCR loans, most lenders will look at this deal as a 2-unit and qualify the income from only the 2 legally zoned units.