Maybe a banker can weigh in.

I think it will be a great event (obviously I'm biased as I'm speaking and co-host) but there are really great speakers lined up (like CoreLogic, Mortgage Bankers Association MBA) and big name investors who don't normally speak at events like this.

I wonder if there are any loan officers or bankers who can comment.

D) Another question I would refer to your banker/lender.E) It is a bit of a personal preference, but I would refer this to a CPA.

That is what my banker explained to me, I am not a loan expert but I think that is how they compute it.

When I have lunch with my banker ( usually once a month or more) that's one of our conversations about how they have NO appetite for new flippers or would NEVER loan to a newbie on new construction.. just not worth the risk .. one bad loan and it wipes out anything they may have made on  10 good ones..

Here’s an easy way to find out you’re not smarter than a banker.

My name is Scott and I am a realtor dedicated to Real Estate Investors In the Omaha, NE market.Prior to being a realtor at Coldwell Banker REA in Omaha, I worked in acquisitions for a prominent real estate investing firm.

I pulled my files, and I've used both American Bankers Insurance of Florida (through Geico) and Foremost Insurance (available through Amica or Farmers) on that property.  

I guess I need a new banker.