It is within this context that I wish to extend my appreciation to Engineered Tax Service, and in particular, Julio Gonzalez, a distinguished member of our BiggerPockets community.As an aspirant in this dynamic field, I am compelled to explore how Engineered Tax Service, under Julio's guidance, can illuminate the path towards not only meeting but exceeding the stringent requirements of lenders.

And we also need to distinguish between for-profit room rentals and cost-sharing roommates, which is a big can of worms that I don't want to debate.

what are the distinguishing characteristics between class C, D , Depressed and a war zone?.  

The key is being able to distinguish the % dedicated to investment (work use). 

I have found it is easier than I thought to distinguish the action takers from the bench warmers.

Unless we are all trained appraisers it is very difficult to value it or even distinguish real from alloy?

Also, my terminology is a bit off...how do you guys distinguish yield vs. interest rate?

If you watch and continue to see things relisted that price may be too high or there are other terms that tenants find unacceptable.I look at the mapping on rentometer.com to get an idea too but it doesn't distinguish furnished and unfurnished and for historical data it does not give you the time period when the property was listed.Also look on local real estate agent sites where they post rentals , this will also give you an idea.

The lending channel makes it hard to distinguish the deal quality.   

There is no way to distinguish an honest syndication offer by someone with tons of experience and a great track record from a straight up Ponzi scheme.