Curious to hear from any professional mortgage folks, but my observation has been variable soft investment income (notes, other loans, equity investments) is counted if shown on 2 years tax returns (though expect something like only 70% counted and only the lowest amount).

Most of the time there is not the proper time, condition, and sense of reality for the seller to use this option.You have to be wondering why we go through all this,  well most people know they have to sell "they never could afford the home" your job is to softly help them come to this conclusion.  

I already gave @Adam Wright a soft yes on the saginaw library meetup so it'd be great if that works out.  

What is making the economy soft?

The one I spotted today appears to require quite alot of work from the outside, I've seen it before but it wasn't for sale and the brush and over grown trees hide the house pretty well.

When I blew the lines out, enough water came out that I could've made a pot of coffee, brushed my teeth, and shaved.

I recently completed one, 800 sf, total price tag almost $300,000 for construction and soft costs, with a third-party general contractor handling the build. 

The book is rare and expensive now but you should definitely brush up on our laws.https://www.amazon.com/New-York-Landlords-Law-Book...Welcome to the forums!!

Along the way, I also started an S-Corp "Soft Wash" business cleaning roofs and exterior.

I've brushed up on interviewing and screening techniques, and I found a solid business plan template to work on in the meantime.Again, thank you all for the responses!