I don't give a frog's fat butt if it makes his job more difficult, and honestly, you have to do math anyway during the course of the loan.

The difference in pics with a DSLR vs cell phone cam can be night and day.

One story that I loved was a lady that called me at my cell phone directly (not though our CallRail numbers) and we set up an appointment.

I and my sellers get it without any of the fat.

If you would like, send me a message and I'll give you my cell phone number.

And I'd then have a big fat mortgage.So after 6 months, I can cash out refi, have a mortage, and after PITI, account for property management, saving for cap ex, repairs, etc, I could cash flow $100 a month. 

The orange cells indicate the estimated replacement year. 

The saying " pigs get fat, hogs get slaughtered" seems to apply.Terry

And this is coming from a guy who routinely melts down on my cell, cable, internet provider tech lines.

These companies need to make a profit too, and so there's just not going to be enough fat left on the bone.