I vetted you 2+ years ago, after hearing your affiliation with Avery Carl's STR nonsense if I am remembering correctly-- I dropped all interest. 

And about 90% of the people that I have coached have made several times the cost of the coaching program back in increased net worth by doing the coaching program.  

Either way, most banks have other programs that could help you out.

There is no additional "risk" on the note like a demand clause etc, but you have  extra expense in upfront one time costs and the pre-payment penalty that most programs are sold with if rates do drop as expected in the future.  

I enjoy teaching BP members how to use the system to save more money by using programs and taking advantage of loopholes.

With todays AI bots like Chat GBT and their competitors, you can draft an email in seconds and then there are lots of affiliate email companies that will blast email, text lists that you compile. 

There are different programs for 1-4 units, 5-8 units, and so on.

While QBO is probably more common, I've learned that they have had to become accustomed to a lot of different programs because their clients use so many different platforms.

The Fannie and Freddie programs handle this issue slightly differently.

We rent to plenty of S8 applicants; I've always believed the standard of care they exude is as high if not higher than "market" applicants because they'll get kicked out of the program if they don't.