Let's say all the banks that I talk to aren't willing to go below 7% with me (let's pretend I've gone around and looked really hard).

I only have a p.o. box too so guess she is pretending to be all sweet again to the new unsuspecting landlord

I suggest vetting them out two different ways: 1. pretend to be a prospective tenant and see how they treat you, how the website works for renters, etc, 2.

With that said, you should pretend that your 401K and the $20K do not exist.

The rub was the borrower pretended to be purchasing a home to live in and actually had no intention of living in the home.

If I pretend that none of that will ever occur, I can claim an extremely low expense ratio today, but it won't reflect reality over time.On the other extreme, the big apartment building (the pink elephant) that I purchased in January has one apartment that has been vacant for a couple of years.

Let us pretend it will appraise at $500k (an extremely high number for sake of conversation).

With many lenders tightening up and me being on title for less than a year I just want to be able to justify the increase in price from what I paid for it.I don't want some hard-*** inspector who pretends to be a code inspector pointing things out that might not meet code but are still safe and scaring a potential buyer.

One NR salesman comes on the forum pretending to ask a question about NR.

There is nothing wrong with assuming that higher risk, but it is silly to pretend that it doesn't exist or is an equivalent risk to more predictable strategies.Mike