I know it's most likely a block by block case but what class of area is it?

I would call them first, let them know you are sending it and then send it via email and regular mail. 

The issue is that if you are not licensed (if no NMLS number= no license) you cannot by law do an owner occupied loan therefore you do not know that the credit report means nothing when it comes to actual debt.

As you may know, California has terrible landlord laws.

They may go down another point or so in the coming year and they may go up 2 points in the next 2-4 years (who knows).A model like that will give you an idea of how the ARM will perform against the certainty of the fixed rate.

I let them know I would expect a refund if a guest complains about dog hair or something else pet related.

I know the ins and outs of these markets and can help you find something that not only fits your needs but also has great investment potential.

Never know what connections you might get out of it.

I would be interested as well, let me know if this comes together.

Please let me know if you have any questions.