I've been working for almost 5 years now for a global business consulting firm.

Second, I think less emphasis needs to be put on activity points.

Regardless of that degree that was earned with an emphasis in real estate I felt comfortable in construction.  

The same thing I think about Global warming, N Korea/Russia/Iran launching the nukes, ISIS coming over to the USA and killing us all, etc., etc. 

From that company's site (emphasis added):---If we have an established business relationship, you can now present your offer with our Proof of Funds letter to help you stand above the crowd, proving you have a reliable funding source in place.Subscribe now for only $9.99 per month for the ability to generate UNLIMITED Proof of Funding letters.

They take very good care of the property.2008 Purchase Price: $145,000 Investment: $11,500 (5% Down + Closing Costs) Today's Market Value: $150,000Rent: $1,200/Month (Market Rate Likely $1,250-$1,350) 1st Mortgage: $535/Month, $110K Balance @ 4.0% 2nd Mortgage: $156/Month, $20K Balance @ 7.75%Annual Property Taxes: $3,300 Annual Insurance Premium: $550We're currently adding to our portfolio of investment properties and have a buy-and-hold strategy with a primary emphasis on cash flow with property appreciation secondary.

The USD is the global reserve currency2.

The Issue of DTI depends on your specific situation unless a person here is a loan officer and has reviewed your entire scenario, how you file your tax return, your rentals, and your income sources the answer you receive will be lacking.Regarding commercial they dont use DTI they focus on DCR or debt coverage ratio which is essence is another ratio that focuses on income to monthly mortgage payment as opposed to total personal expense to gross personal income (Debt to Income - DTI).Most commercial lenders will look at the systematic risk of your entire financial scenario not just personal or property, they call it "global cashflow."

I worked for a large corporation's Facility Management division, and now work for a global software company who specializes in Real Estate Software.

Las Vegas will have its first major national sports team (NHL), Faraday Future is a new electric car company that is building a huge manufacturing facility, (not putting a lot of emphasis on this because it can possibly flop you know like Fisker).