These were largely sourced pre-CV19, so eat the fish and spit out the bones.The DTI percentage range varies by lender, and is less than what you will find for an owner occupied property, due to lender risk.

Which is why I was surprised at some of the odd advise they gave.Did you actually have a paid engagement in place with this firm, or did you call up a firm somewhere and fish for free advice? 

Basically, it is the Appraisal District fishing for information Your neighbor is going to need a copy of your settlement statement to be successful and I would do it if I were in your position.  

There are always going to be bottom feeders too that try to build their reputation by taking shots at the big fish, so always keep that in mind. 

Just in general, I would typically expect to see partnerships when going after bigger fish, rather than one SFH. 

There is always a bigger fish. 

I only bring this up to say that I do think it’s worth your while to continue to broaden your search for lenders.

. $10 per fish.

Good lookin' fish (in your profile picture).

At times they will take a lot less or actually want a vehicle or who knows what In one case while I was fishing aman/kid mentioned selling house.It was older house and wanted a boat ,his parents or grandparents gave him a property he didn't need or want.