This doesnt really apply to 1-4 unit lending unless if its a local or portfolio lender however mostly applicable to 5+ multi family, commercial, and business lending. 5 C's of lending Character (integrity), Capacity(cash flow or ability to service debt), Collateral (equity in property to secure debt), Capital (networth), and Conditions (economy, and external factors)

I'm sure I could come up with an adjusted rent that's reasonable if three tenants are indeed living there.Bigger concern is character and the deception/misleading application.

Many times folks try to make a NOO a 2nd home designation but when it is too close in geography, like on the same street and does not possess any significant attributes to make it believable, the home will be considered NOO for underwriting.

., it just gives your profile a little more character and personality :)Post any questions you may have.

You can always tell the character of a person by how he treats those who can do nothing for them.

There is no strategy that is so unique or informative or secretive that someone with a bit of creative thought, one with logical thinking attributes could not figure out having a good command of basic real estate practices.Now, I'll yield to marketing, yellow letters, advancing and promoting yourself, phone systems, the generic business stuff that is not really so much an issue in RE, or such hardly regulated areas.

I'm quite the opposite of the character.

I don't want to ruin the character of the house.

Use descriptive, straightforward terms that tell the physical attributes of the home (like marble, spiral staircase, gourmet kitchen, and solid bamboo flooring).

I will attribute the slow replies to the holiday, and give them a little more time.