BTW I have excepted your request as a colleague.

I guess I have no other option except to figure out my best and highest and throw that out there?

They are not even cousins.The IRS isn't in charge of assessing financed transactions except as to tax matters, your CPA probably isn't versed in originating financing agreements, that's a bit out of the domain for a CPA and the Federal Tax Court isn't the proper jurisdiction for RE transactions except as they pertain to taxation.They were also speaking to what not to exceed, not what the customary or average credit was being allowed under options, 10% of "firm" equity places a buyer/borrower over the hump for the financing required, most contracts shoot for 10% equity to be acquired.Dodd Frank incorporates the SAFE Act by specific reference.

First is to accept the first qualified applicant as described in this next link.http://www.biggerpockets.com/renewsblog/2008/2/2/managing-tenants-part-two-steering-clear-of-the-fair-housing-act/But if you are trying to pick the "best" applicant, then you have to have a somewhat rigorous approach such that no applicant can achieve the required qualifying score; your policy would then have an exception that if some certain number of applications or within a certain timeframe there is not fully qualified applicant, you would offer to the most qualified.

All the maintenance is take care of, except for inside your four walls, but as long as you have taken care of that stuff, you shouldn't have any issues.

@Stephen Masek We actually replaced all the old white appliances with new stainless steel ones (except the fridge).

For whatever reason they block off the interstate access leaving except for the smallest lot.I have a friend that own a limo company and I just pay for a 10 pass limo to drive us down there and pick us up for the games.

That worked out well except for one small problem it increased our debt to income.

I have no debt except for these loans, and no credit card balance except for what what is used and paid off each month.

Nobody cares about a vision statement except you, and you seem to have a good idea where you're heading so its served its purpose.