AKA it is a way to access some of the money you've put into your home while also making sure you can still afford your mortgage payments and other debts.You will need a renter in place as rental income is apart of the calculations when underwriting these loans in addition to the other factors you mentioned like monthly housing expenses (PITIA: principle, interest, taxes, insurance, assocaited fees ARV, debt outstanding.

Damn all these bank accounts...

Did you already return their security deposit without checking for outstanding bills on the property?

And it better be a damn good reason.

Verify if there are any outstanding violations or issues that need to be addressed.Financial Analysis: Review the property's financial records, including income statements, expense reports, tax assessments, and utility bills.

They had me upload all of my tax returns etc. and had me take a personality test...My cost, was quoted at $35K (yes you all had a much lower quote that me) With the promise of outstanding expertise, and being assigned a whole team and saving me huge money on taxes I went forward. 

He had to get very creative to get legit insurance on a complex with an outstanding fire claim.

Selectively quoting to try to convince the audience of something is deceptive and shows the weakness of your argument.Just because you have been unable to achieve outstanding returns from RE does not imply that it is impossible or that others cannot.  

It is pretty damn easy to guesstimate an NOI, when it is the same damn 1100 Sq ft brick ranch, over and over and over.

Outstanding!