Almost everyone here on BP will tell you that they wish they had started earlier, myself included.4.

Hard to call it a "booth" actually -- that show is so huge it was really more like the Schlage pavilion 😃I talked to the Encode product manager for quite a while about integrations, including the new direct one with AirBnB, and some of their PMS integrations like with OwnerRez. 

I would lean toward keeping it but ask a few questions:1) Are you assuming a small negative cash flow WITH a vacancy factor included? 

Almost everyone here on BP will tell you that they wish they had started earlier, myself included.4.

I have to decide if I go with them to Real (including my team leader, she is already at Real), or move to another eXp office.

Other key strategies may include finding homes with a lake or forest view, or near the clubhouse, south- or west-facing pool, the list goes on.Happy to chat about some ideas and learn more!

By then they run the credit and there is a hard pull on the credit report making my fico score drop and then them saying "sorry" the next day.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

Cost me 5k, the upgrades were not unreasonable, and the electrical work included safety improvements.

I would include extensions in this offer but they would have fees attached to it.that is how i would approach it.