It is my understanding that the borrower gets a risk rating and each loan gets a risk rating and certain events can cause you or the loan be moved into a more or less riskier category and that that could impact how your loan is viewed and treated by the bank.When I asked questions, I kind of got the impression that the risk evaluation and underwriting criteria were confidential and not generally disclosed.

Might be a slightly different story for me because I believe I have a ton of built in equity, and I'm confident I can pay the mortgage even if things get worse.

If the beginning of the summer was available Im VERY confident I would have the whole summer rented at or near $10k per week. 

Any details (without breaking confidentiality, obviously) would make it much easier for people to provide advice.

I appreciate your confidence that the bill will never be passed, but why you ARE so confident? I

I am new to real estate but I think I've found a decent deal nearby, it is a 4 plex with all units currently rented (total rent about $2400/mo) they are asking $240k but I am confident I can talk them down to $225k or so, what would be the best options or advice you have on getting it financed in my current situation?

What the appraiser is forbidden from doing is disclosing confidential assignment information - in other words it's the banks appraisal - so the conversation will be one sided.

I had my entire 401k in stable market funds...I am in the process of scaling back into the market, not trying to find the bottom, but every 10% drop I put so much in...in three years I am confident I will be way further ahead than I would be with REI.

Please note that specific information such as the property address and names of those directly or indirectly involved in this particular real estate transaction were intentionally omitted to maintain confidentiality given delicate subject matter of/affecting health, life and safety.IntroductionHaving provided carbon monoxide (CO) testing of gas utilization equipment for well over ten years during the 1980's and 1990's in addition to having learned about the production, mitigation, prevention, testing, and harmful effects of elevated levels of carbon monoxide due to incomplete combustion of natural gas utilization equipment from a recognized leader/foremost authority on carbon monoxide testing in the industry by the name of Jim Davis—senior carbon monoxide/combustion trainer and consultant for the National Comfort Institute (NCI), who began traveling the country during the 80's and 90's conducting carbon monoxide training seminars for building and HVAC contractors, building inspectors, utility companies and virtually anyone interested in learning about carbon monoxide testing and proven methods to mitigate and prevent gas utilization equipment from producing elevated levels of carbon monoxide in flue gas known to cause CO poisoning—has without a doubt proven invaluable in heightening my awareness of conditions conducive to/indicative of incomplete combustion known to result in elevated/unsafe levels of CO in flue gas.

If I am confident I can rent my current property and all i have to do is buy a new one to live in... that saves me the headache of trying to sell without a realtor, having to pay closing costs for a new rental, and buying a house to live in all at once.