Same thing with drivers licenses , fishing licenses, car registrations.

There are macro and micro economic drivers that determine which markets are better to buy in. 

One of the key drivers of the multifamily market in Phoenix is the city's booming economy.

I left 1 rear seat right behind the drivers that holds 3 people .

All he has asked for to this point is a copy of my driver’s license and either a copy of a bank statement or pay stub (which we have not provided yet).

If that fails, you can sell it or make it into a long term rental.What you are trying to do is rent a car from a car rental place, then trying to make money being an uber driver. 

Bedroom count is typically the biggest driver of section 8.

Maybe others have experience with lift or Uber but my experience (albeit limited as a driver) was you’ll spent a lot more time driving around, wasting gas and putting miles in your car then actually making money.

GPS still having me avoid the parkway and bumper to bumper on back roads to cabins with out of state drivers holding me back from speeding to get to mine.

After year 5, there is no prepay penalty.OPEN PREPAY OPTIONPrepay penalty will be applied to any prepayments of the scheduled principal balance during the prepayment period.PERSONAL GUARANTYAll loans must be personally guaranteed by all members of the borrowing entity.PRELIMINARY ESTIMATE IS SUBJECT TO CHANGEThis estimate of costs is contingent upon full borrower and property underwriting.BUSINESS PURPOSEThe Rental30 Loan is for business purpose use only, speciqcally, for real estate investors purchasing, reqnancing, or cashing’out of non’owner occupied, rental5 points on one deal is high.  20K on 8 deals is not high.Things that drive rates would be number of units (above 4 is more), location (NY limits your lenders), your credit score and the LTV.