Did not disclose it on the initial application because it was not completed yet, and as we all know things can happen right up until the last minute before closing new loans, so I wasn' t going to say I had those loans when I really didn't.Fast forward to today, Refi/HELOC closed, underwriters on investment property noticed HELOC lien in MERS so they asked for a letter of clarification regarding the lien and why did not initially disclose, I wrote a letter explaining what I just said and so far no issues (*knocks on wood*)My situation had more time between them than yours do, giving the underwriters enough time to make sure it checks out without delaying the process.

Start doing postcards and yellow letters as soon as possible.Summary - I am speaking from experience.

One of the bullet points on their letter say this is done so that owners can see the ups and downs on the monthly bills and they can see if there is any indication of underground leaks.I really like FPL (Florida Power & Light) where they let you establishes a landlord account and put properties under it. 

I was trying to write the letters out by hand until I realized I couldn't read my writing (thanks to technology).

Maybe he could send a letter to the listing agent and the seller, referring to lack of disclosure, talking about your expenses, etc.  

Its probably RT4 or RT2, which means a maximum of four units or two units per property respectively, but of course all sorts of other rules come into play too like setbacks, etc.Definitely be careful when buying this bulk purchase as far as taking on properties with code violations, which nearly any REO at least in the city will have because they inspect them all and meeting exterior code to the letter is essentially a like new house.

My wife is getting frustrated and wants to immediately go to bandit signs, yellow letters (list source), web site formation, company name, LLC formation etc.

They are much like new agents, they mail out Yellow Letters, postcards, bandit signs, etc. and create a lot of prospects many times.  

I started a handwritten letter campaign and I have my first lead that I am very interested in. 

Recently I received a call from one of my yellow letters.