Then when FICO comes in lower or appraisal lower or something different than we believed from the start I can tell borrower why there is a pricing add/difference.This is a question that your lender should show and demonstrate to you easily in their pricing guidelines.Your lender is lacking skill or heart.

The principles are the same, but there isn't the same kind of cash flow gravy train for starting investors that I see when I look at 2015, 2016, etc.At the end of the day, if you narrow your search to markets that are linear, demonstrate ongoing population growth, economic diversity, and so on, and you can find solid or improving neighborhoods with properties that still return a decent cash-on-cash ratio (maybe not 1%, but .7-.8, perhaps...

You really demonstrated your knowledge of appraisal! 

A portfolio lender might be more flexible on that point, but they'll want you to demonstrate that you know your project numbers from acquisition all the way through resale with contingency plans.  

Ask more questions.Here's an excerpt from our rental criteria.LEGAL/CRIMINAL HISTORY1.Criminal offenses of a violent nature against either person or property will result in denial.2.Applicants with a non-violent criminal misdemeanor that occurred more than two years ago or a non-violent criminal felony that occurred more than five years ago may be considered if restitution for their crime was made in full and all time was served.Also, we may require an additional security deposit and demonstration of good employment history, credit history, and rental history since the time of the crime.Multiple offenses may result in denial regardless of what the employment, credit and rental history shows.

Sales and brand building is about identifying a problem and quickly demonstrating to the masses exactly how your company can solve the problem. 

But must be verified by 60 day history, and must be a gift with no requirement to pay back.Reserve Requirements 3-4 Unit owner occupied properties must have 3 months PITIThree (3)- and Four (4)-Unit Property The maximum mortgage amount for the three (3) - and four (4)-unit properties is limited, so that the ratio of the monthly mortgage payment, divided by the monthly net rental income does not exceed 100%, regardless of the occupancy status.Livable Conditions The property must demonstrate the following characteristics: A continuing and sufficient supply of safe and potable water under adequate pressure and of appropriate quality for household uses.Sanitary facilities and a safe method of sewage disposal.

Having a clear grasp of valuation so you can demonstrate with your own evidence of MLS comps what a property's ARV will be, is necessary before you try to buy real estate.

If you slowly demonstrate trustworthiness over time in another activity, and also tell people about your real estate deals in an indirect, non-salesy way, the trust you build up in other activities will get transferred to your real estate business, and people will begin to ask you how they can get in on your deals.The bad thing about trust is that once you lose it, it's very, very difficult to get it back.

I have never asked to use a certain appraiser, but I have asked the bank to not use an appraiser because I thought they demonstrated poor knowledge of an area.