Here is an article about the changes http://www.nytimes.com/2015/03/10/business/big-cre...The highlights are all good, medical bills will no longer be reported until 6 mos. after default to allow time to haggle with insurance and medical debt will be given less weight moving forward.

I wouldn't put too much weight on that estimate though.

They can either help you pull the dream along or add extra weight for you to pull. 

Hello John, Having a good agent to assist you will take a lot of weight from your shoulders.

You need an unbiased opinion.Here's a research done by a lender for multi family (they have offices in many parts of the country - excluding Cincinnati) and they reported that Cincinnati is a good city to invest in: (in fact, institutional investors have recently flocked to it - if you want to succeed, watch where the "big money" goes to)https://arbor.com/blog/cincinnati-multifamily-market-expansion/Cincinnati is where I invest and I live here, so yes I am biased but again, put more weight on the above report.

There many injustices going on here , discrimination, intimidation and the use of fraudulent documents to try to intimidate but hold no legal weight and are arbitrary. 

@Jim Cellini - Chicago and Illinois Taxes suck - it is what it is - luckily most of us understand if the numbers work then we have the tax bill covered.It seems like you can only trust the current market comps to determine an accurate evaluation and government agencies clearly are NOT detailed enough to properly assess homes except really from the outside and from what they have seen completed through "permits" so they get inaccurate numbers.And with respect to Zillow, it's just an algorithm at this point and still not accurate enough to fully trust with much weight.

But at the same time you will not accept someone only being needed to finance only a portion of the deal which decreases the expenses of financing because they could have made more by using that money to their advantage.Is there a better way to accomplish Mike's objective factoring in the cost of money, opportunity cost, and some kind of weighted (il)liquidity factor?

Time to hit the punching bag or lift the weights.

Originally posted by @Paul Tibok:Thank you everyone for your feedback, very helpful it took a big weight off my shoulders.