That is what you call an "Overlay" some banks/lenders have overlays or their underwriters make their own "Assumption" usually called underwriters discretion.

The other thing you could consider is looking for a portfolio lender that will give your LLC a loan for two or more properties, that way you can package a few houses under one loan and potentially be able to take a bigger loan. 

The deal happened legally, and late fees can be set to the landlord's discretion in Indiana.

My first big break would come in the form of a package of homes that a local bank had taken back through foreclosure.

Asking is $350k but hoping to get it for closer to $275k (buildings are a package deal).Questions: Am I forgetting to consider something?

I'm looking into multi-family units in Pittsburgh and I've been working with the Zillow API using the ZillowR package but keep running into a 501 error (Protected data is unavailable through API) with the `GetUpdatedPropertyDetails` function which returns critical info like price, number of bedrooms, number of units, etc.

To my understanding Flipster has 3 price packages. $97/$197/$297.

Base case scenario is straightforward renovation, add class A amenity package, improve NOI and resell as a single asset. 

The lease says: LL at sole discretion will take pest control measures for up to 60 days.

I've been using Stessa for years at a basic level with their free accounting package.