Choices have consequences.I challenge you to demonstrate you are serious about this.

If your package is right along with the right attitude that demonstrates a solid history and you show some thought out recession proofing so you are not over leveraged, you will find a community that will want to work with you. 

In my view, this demonstrates that they take their obligations and due-diligence very seriously and that such good-business practices most likely extend to all corners of their operations.Don't forget people that these RECF firms essentially serve as de-facto custodians of your hard-earned investment and (in some cases)  retirement funds.  

Sending a typed note will demonstrate your professionalism and should show a responsible tenant to sign a new lease.

Having been registered as an approved plan with the State, a proprietary system has already demonstrated through testing data that it meets or exceeds certain requirements.When utilizing a Proprietary Standard Plan Approval (SPA), plan check fees at the building department can usually be avoided.

Still, they priced the property based on proformas of 95% occupancy, rather than demonstrated cash flow.

Examples of income of this type include income from hourly workers with fluctuating hours, or income that includes commissions, bonuses, or overtime.History of Receipt: Two or more years of receipt of a particular type of variable income is recommended; however, variable income that has been received for 12 to 24 months may be considered as acceptable income, as long as the borrower’s loan application demonstrates that there are positive factors that reasonably offset the shorter income history.Examples of positive compensating factors that we like to see (1-3 will generally do it)...Employed in same line of work.Makes sense from a common sense perspective, like someone is returning to the workforce after being a stay at home parent for a while.Recently finished some training or education program that lines up with the new line of work.Low DTI.Great credit.Income trending upwards. 

You could play it up and further demonstrate your level of seriousness by saying something like: "This offer is based on our assumption that the property contains a mix of 1 and 2 bedroom units totaling 16 rentable units, along with our initial research of publicly available information."

I would think you would be best demonstrating what you have done in the field as a more or less self employed real estate entrepreneur.

Another claimed that he had temporary credit issues but I found judgments that just fell off his credit report, demonstrating long-term financial issues rather than a temporary issue.