One you will be paying interest on every penny you borrow even if you never spend it. 

Back then the bank let us borrow with only 10% down, now I have to put 20% down and it has slowed me down a lot.

Does anyone know if I improve the value of the house can I borrow against the new appraised amount  and reinvest?

One more question... have you found that in this scenarios lenders try to calculate your % down based on the cash flow of the property or based on the income of the borrower?

However, if it's the Corey I'm thinking of, usually fair and good stuff.All mortgages, unless there is specific agreement with the lender otherwise, look to the one year mark as to owner occupied representations made by a borrower, if you say you're going to occupy and don't, it's fraud.

If you're a lender who has made a loan secured by a property and the borrower defaults, then you can foreclose. 

Hi everyone,I had a question on what type of information a lender usually requires from a borrower to evaluate his/her credibility.

You could borrow up to $50K from the plan to use as a stake in investment outside the plan.

(You may be able to find a bank that would go up to 80% LTV, but of course the more you borrow the more you cut in to the cash flow on the current property- and increase your DTI for when you're looking for the next mortgage). 

She's not even on the loan, not a borrower.