I used to want to write what I thought would work, but instead stopped worrying about how perfect it was sounding and just got them out there in a standardized form.

I tried to get my parents to let me take a gap year but they insisted I go to school immediately and I only stayed there for a semester because I didn't have money and couldn't find a job while I was there so it didn't make sense for me to stay.It's not necessarily that I think college isn't smart, it's more that the standard recommendation when talking to high school seniors should be more along the lines of, take some time and actually figure out if it makes sense for you.

Do other landlords include a furniture deposit aside from the standard rental deposit?

Basically I would like to write her checks as an independent contractor (as she performs the work), with no taxes paid as long as she stays under the standard deduction of $12,400.00 per year. 

Have great team members and drop the ones who are not performing to your standard.

So I guess the route is:1) Try to qualify for loan with standard DTI/W2 underwriting. 2) See how much they will qualify you for and at what interest/points. 3) Get a competing quote from a DSCR lender.4) Compare subsequent deal cashflows, and choose better option. 

BP,While researching a couple different local banks in MD for a cash out refi loan, I was sent this by a lender and told that this was a pretty standard loan.

BP,While researching a couple different local banks in MD for a cash out refi loan, I was sent this by a lender and told that this was a pretty standard loan.

Some markets have it as standard practice.

Location is crucial for standard of living.