It’s the effectiveness that makes the difference.

Think about it... its unfair for them because 1) They don't know the deal risk profiles nor the operators, 2) They don't know your future deployment plans to account for your estimated Adjusted Gross Income (effective tax rate) for the next few years, and 3) they don't know how much depreciation is going from the plethora of investments you look to go into.

I guess that I'm impressed they not only built out a model that could get with in 7% of FMV for that many homes, had an effective UX that made ppl want to use it, got a system up and running to take possession and make ready for sale that number of homes across such a geographically diverse area during a global pandemic which changed the way ppl work and lead to crazy home prices.

PS  36 ACRES at least to the moutain west CA and Pac norwest  is a very tiny plot of land..

The lien should not effect the mortgage rate but the lender will more then likely require it to be paid off prior to or at closing and get a lien release that can be filed along wit the mortgage.  

The other thing is that your equity in your home always becomes less valuable/effective over time.

I would also add that the furnishing will have a direct effect on your returns.   

Since there are thousands of numbers, I want to be as efficient and effective as possible so I can go through many phone calls. 

I think it’s called form 1000https://guide.freddiemac.com/c...For example, if I’m purchasing a property where monthly PITI is $1,000 and monthly rental income is projected to be $1,100 does my “income” part of DTI go up by $100 and effective improve my DTI to qualify for the loan? 

If so, you can give the notice before the end of Nov and make it effective on February 1st, 2022.I always recommend giving proper advance notice and raising the rent on the Lease anniversary every year.