The online eFile providers can do it for you, sometimes for free.Warning: Email is NOT secure, and you will expose your contractors to unnecessary risk of identity theft.

@Bob Asad at our bank, we have an escrow account for security deposits, it is set up with sub-accounts for each tenant with their security deposit amount and their SSN.

This would probably allow me to qualify for the FHA loan if this is true since the giant loss is throwing off my DTI. 

A good property manager can help with tenant screening, enforce lease terms, and handle evictions more efficiently if it comes to that.Require a Larger Security Deposit: Within the bounds of local regulations, a larger deposit can provide a cushion in case of damage or unpaid rent.Consider Rent Guarantee Insurance: Some companies offer insurance products that can cover lost rent in case of tenant default.

@Shawn Mixundefined I agree Kirstin, Anderson isn't cheap but I feel much more confident and secure with them on my side.

When rates re-trace and other folks start trying to deploy the capital, I want to know I secured the (right) asset.

A “syndication” is almost always a capital raise for the sale of a security/investment.  

Keep in mind, though, that each lender has their own criteria for how much future potential they’ll factor in, so it might come down to some skillful negotiation and presenting detailed projections that don’t feel like puffery.Just be careful not to come off as overly speculative…lenders tendd to shy away from what sounds too good to be true.Anyway, I’m curious.. have you spotted any other investors in Gainesville facing a similar refinance puzzle and what kind of terms were they able to secure? 

When its included in a lease for real estate then the laws pertaining to residential rental security deposits in your state apply but when its separate you should have more leeway to get some additional deposit to protect you.

When he became the first relief pitcher in MLB to sign a $100k contract and asked what he was going to do with all that money (this was 1968) he said “ 90% I’m going to spend on wild women, Irish whiskey and good times; the other 10% I’m just going to throw away”.