I let them know what I can make happen so they have a better time.That way you get a feel for how the service animal will affect your place without being offensive.

It may be that they are underwriting the property at a significantly different valuation than what you are using or that they feel that you or the deal is excessively risky.

Feel free to reach out if you ever have any questions regarding lending! 

@John Reagan Johnson hope you don't mind a PMC answering, but most of our clients hire us because:1) They live out of state and don't have time & expertise to remote manage2) They don't have the time to manage3) They don't feel they have the necessary expertise and/or don't want to risk learning as they go and making an expensive mistake.Go read Kiosaki's Cash Flow Quadrant book.

But, if the deal is a true ABL play, I may not even look at a credit report at all.

Keep posting for sure but feel free to reach out directly as well. 

I do feel that rents are probably going to catch up over the next 3 - 5 years.

House hacking is the best tried-and-true method for new investors in my opinion.

So I feel it's not a fit for everyone.

My dad and I (both with access to VA loans) are about to get into the multifam game and how we proceed is really going to depend on the true occupancy rules for the VA and our lender.