From what I understood, it has something to do with the involvement of the government in the way Fannie Mae and Freddie Mac operate (the Federal Takeover of 2008) As I was explained, the new DTI requirement will apply to private portfolio loans, but not to loans that will be sold to Fannie Mae and Freddie Mac (Conventional loans).

Are there any loan programs similar to homepath/fha etc. that are available?

You can download the GA tenant guide free here as a .pdfhttp://www.dca.ga.gov/housing/HousingDevelopment/programs/LandlordTenantHandbook.aspThe way it generally works is you give them a 3 day notice to vacate and rent Is due.

I've read about Lifestyles Unlimited and the reviews have been that it is a good program while others said it was very expensive.

Very sly, I hope the government doesn't try to close that loophole.

If anyone has tried this or has created such a program, I would be interested in hearing more.

I want to learn from a real person, not a system created for $97.Terry, the people selling programs say it is easy to get you to part with your $97 (or up to $50K!!

Here is my guess, they are going to charge you a high fee to join their coaching program.

Check out this info from NJ Gov. http://www.nj.gov/dca/divisions/dlgs/programs/tax_collector_docs/elements_of_tax_sales_nj.pdfBest wishes.

I have heard similar horror stories in parts of New York with rent control or it's not section 8 but a tenants or city assistance program where it gets delayed and delayed.How do lenders feel about giving out commercial loans in these areas?