Rates are varied due to emotional attachments (discounted rates) At first we agreed to raise the rents to market value, what seems to be around 1000 to 1200 for the area.

Also, hiring an agent takes all of the emotion out of your approval/denial decision which I think is a good thing.Think about it, the agent will still provide you with a breakdown of all the information you need to make the most informed decision you can on a particular applicant.  

(a) Eligible Mortgages(i) Each Investment Property Mortgage must comply with Section 4203.4 (ii) Each Investment Property Mortgage must be an Accept Mortgage, an A-minus Mortgage or a Manually Underwritten Mortgage with a minimum Indicator Score as set forth in Exhibit 25, Mortgages with Risk Class and/or Minimum Indicator Score Requirements (iii) Mortgages with temporary subsidy buydowns are not eligible for delivery as Investment Property Mortgages (iv) Freddie Mac will purchase Investment Property Mortgages made to Borrowers who own more than one financed Investment Property, provided that the Investment Property Mortgage being sold to Freddie Mac is: ■ An eligible fixed-rate, level-payment Mortgage, or ■ A 7/1 or 10/1 ARM, and ■ Not an A-minus Mortgage(b) Special underwriting requirements An Investment Property Mortgage delivered to Freddie Mac must meet the following special underwriting requirements: (i) For newly constructed homes that are purchase transactions, the Borrower may not be affiliated with or related to the builder, developer or property seller (ii) Each Borrower individually and all Borrowers collectively must not own and/or be obligated on (e.g., Notes, land contracts and/or any other debt or obligation) more than six 1- to 4-unit financed properties, including the subject property and the Borrower’s Primary Residence.

Because the bricks are so old and unmatchable, my insurance company offered to rebuild the pillar then apply PAINT to all of the rest of the pillar bricks to make it the same color, but not to all of the rest of the brick building.Painting is a temporary solution needing to be redone every year and I want the bricks to match.

I have always been one to prefer to do thing right from the beginning rather than using temporary band aid solutions.

A 2% interest rate is a loan mod, which is a temporary rate, and will reset at some point.

Even with the house vacant my DTI ratio is about 26% so it wasn't money...it was just purely emotional anxiety..."

Your critiques are very valuable in getting started.Here is a link that explains a bit further:  http://imgur.com/a/FIy0TI have been putting a little too much emotion into the redesign up until this point, I agree that things should be kept simple.  

Taking the journey without, my parents, the people who introduced me to the world of real estate, could be considered another somewhat of an emotional barrier.

Certainly the markets are reacting to the election results but is this a temporary move ?