I am taking a slightly different approach, I am not concerned about my buyers list (although I have collected cards from every re-habber, I could in the three different REI meetings I have attended in the last 3 months - Dec. did not count!)

I do believe that the Patriots will win but I dont count Denver out simply because new englands defense is not good.

They might give you 5k for condition but thats about it.At the end of the day, the adjustments they make are based on:1) Square footage.2) Bathrooms.3) Basement4) Garage5) Condition (although this is not used as often)6) Lot sizeStrangely enough, I am not even seeing bumps for bedroom count.

I have purchased another one in December but since it was a no money down deal, I'm not counting that one. 

The tenant's I have like this arrangement, because they can count on a fixed rent, they end up staying longer, and they take better care of my property. 

What two things must be in a room of a residence for it to be counted as a bedroom?

I'm not counting on appreciation, I'd like to buy and hold as long as possible to create some passive income.Yes, I've factored in 10% for vacancy, 20% for maintenance, and 10% for management into my cashflow numbers per month.

Any default simply reduces your coverage, it could terminate a policy, so if you're uninsurable that could be an issue.A loan from your insurance policy would not count against your DTI as repayment is not required, it's basically taking the equity out of your policy.There is no use of funds requirement from insurance proceeds or from your HELOC.HELOCs can change on you, look to the terms closely.

Besides the 14 days personal use, you can also have a open and closing "work" trip to your vacation home that does not count in the 14 days, a little bonus.And if you rent it out for 14 days or less total for the year, you do not have to declare the income, though you can't deduct any expenses except taxes & interest as a personal residence.For me emotion has to be separate from business.

I have been wanting to get a home loan for some time but all the lenders say that my "stipend" of $2,100 doesn't count as income.