Anchorage has crime, substance abuse, and homelessness problems in addition to this factor. I

Now TWO months after closing, the lender just emailed me asking for an addendum to the letter stating the expense factor. I

The one biggest factor I have found in decreasing vacancy is in unit laundry and pet policy. 

Another factor is the time duration it would take to get an appraisal done.All in all, if property condition is something you'd like to be accounted, I would select the real life appraiser.

As @Evan Polaski notes while understanding first and second position is important the more critical factor is total LTV. 

My business was an aluminium and PVC windows and doors factory so I´m related with the project management role.

@Manuel Sarabia The initial approval should only take 2-4 business days the 24-48 for conditions ( Items that the UW is asking for ) 24 hrs for CTC ( Clear to close which means that all PTF ( prior to funding) conditions have been signed off ) 24-48 hrs for funding.The other main factor is how fast can the buyer Loan officer or broker put the file together. 

However, things have settled down somewhat, and the over-riding factor is the business use of the funds, so some HMLs may allow you to take title in your name.In my area, all the lenders still require you to take title in an entity, myself included, and this relates to the state specific requirements on top of the national Dodd Frank laws.  

The balancing factor is that Airbnb does provide some host protection for damages.

I understand that the cost of a small loan won't be as profitable as larger ones (over 100k) but one important factor is missing, client service and loyalt, which in itself can turn into profitabilityfor both sides.