This negative position can consume years of cash flow to recover.

A lot of people opting for lower prepayment in the expectation to refinance in 1-3 years. 

If such a worksheet does not exist (and it may not exist in a consumer-grade tax software, sorry) or it exists but is hard to figure out, then you might need professional help.

Consumer Debt is holding me back from purchasing a property.

Quick way to get around that is to get your name added to the rental agreement or lease.If you do not have money for down payment you can opt to use a DPA - Down Payment Assistance program.

What you consume, mentally and physically, you will become.Your quality of life can be a direct reflection of your thoughts.

I often have over 100 inquiries but 95% don't meet the minimum requirements that we list in the ad so it is very time-consuming to reply and get the basic info needed. 

Here are a few key considerations to help clarify why many investors opt for financing, despite the risks involved:Leverage: Financing allows you to leverage your capital.

They were very clear on the fact that a PM "definitely cannot share consumer reports."

By signing below, applicant(s) give permission to (1) current and former employers to release any information about applicants’ employment history and income history to the above named person;(2) current and former landlords to release any information about applicants’ rental history to the above named person; (3) current and former mortgage lenders on property that applicants’ own or have owned to release any information about mortgage payment history to the above named person; (4) bank, savings and loan, or credit union to provide a verification of funds that applicants’ have on deposit to the above named person, and (5) to the above named person to obtain a copy of applicants’ consumer report (credit report) from any consumer reporting agency and to obtain criminal background information about applicants.