The reason for short time gap: X spun the loan off to Y and Y does an audit and throws it back: this is not A paper like you promised in the pile of deals it's in default and we don't accept it in this one 

Listing agent finally responds several days later and first he says he had COVID, then said he was on vacation and the house now has an accepted offer even though there's nothing about an accepted offer on the listing. 

Normally I increase the interest rate to account for the added cost of PMI, but it would be nice to have that feature built into the calculator.Regarding updating product offerings at BP, I think they are pretty good about accepting feedback.

Low credit scores accepted It is not a secret to all of us that banks will deny you for having a low credit score.

I would recommend looking at both for an acceptable opportunity review.Per recovery of "cash in" concept, please don't forget "year 1" numbers will change over time - and hopefully "year 1" is the worst. 

If I was your agent I would tell you to write a lowball offer on some of these that have been sitting out there and see what shakes out,,,,,,make sure there's an appraisal and inspection contingency in your offer......If your offer gets accepted and you ultimately purchase the place then you only have to live there for a year....then simply move out and put a renter in the side of the duplex you were living in.....at that point your biggest problem will be finding another place to live.

If you can't, maybe your shouldn't be investing.When investing with a LLC, the generally accepted method when it comes down to it is to treat like a legal entity and not involve your personal name.

In this case we'd be saying that we need to accept a higher risk of investing in some property that is not cash-flow positive?

We've put a couple offers in but no accepted contracts yet, so I'm hoping to hone our estimates in the meantime!

Many lenders are able to accept a firm job contract to approve your loan.