Hey Ryan Poske so your company offers contractor services in Indiana or all over the U.S.?

We're adding a jumbo investor coming online in a few weeks that'll allegedly do SFR rates for 3-4 units if you don't need to use rental income to qualify, but I haven't seen the rate sheet yet so am skeptical.From a risk perspective, using rental income to offset PITI implicitly means more risk because those tenants aren't likely to consistently have your 740+ FICO score or all of those other attributes that would have earned you a competitive interest rate on an SFR.

Appreciate it Isaac.Common scenarios I've worked on lately that might apply:- self employed people looking for 1 year tax return qualification, helps people who have higher income on their 16 returns when 15' returns were not so high in income- people buying cash and want to plan for a delayed financing exception refinance and want to get an idea of what a probable appraisal will come in at to make sure they are going to get most or all of their original money back- cash out refinances to rebalance rental portfolios or planning for future acquisitions or paydowns/payoffs- Flipping within a corporation/LLC vs flipping outside of an entity or in your personal name, income is calculated differently or sometimes not used at all in your personal name (has to planned way in advance)- use of 1st position line of credit AIO - "all in one," loan to help debt pay down acceleration strategies along with allowing borrowers the ability to access their equity for future real estate investing deals, opportunities, and rehab money available for capital projects, etc- many more...

It's never an "everyone" or "all" is guilty of these charges, but the industry makes it extremely difficult to trust them when they make jokes like the joke that goes more/less like "take a look at all our yachts in the harbor and then someone asks where are the clients' yachts (ensue uncontrollable laughter)".

Sometimes, this happens when you have a wall (especially one that's also holding up the ceilings, roof, etc.) with nothing under it - or with something inadequate like a doubled-up floor joist.

You need your offer to be taken seriously, even if you are paying mostly or all-cash. 

Depending on your tax rates at that moment, choose to pull some or all out or convert to a Roth IRA.

Typically the HML will hold back most or all of the rehab budget. 

You may be asked to provide a personal guarantee and, starting out, much or all of your traditional borrowing is likely to depend on your personal credit worthiness.

I might have decided my plan was inadequate and decided to wait a while until I could proceed in a manner that most investors here think is wise.