It's nice to see that a family friend that's a lender mentioned shopping around for rates so that you can find the best deal possible, even if that means not working with them.

Hampton Beach is nice and getting more popular each year to bad Salisbury beach never rebuilt it was a fun place back in the day.I will have to reach out to Devon and see if there is a way to network.

Lost job?

I usually start with something like this:“We require a 550+ credit score as well as a current job paystub or a co-signer who meets these requirements.

Current owner/landlord is terrible at his job.

Occupancy lower than that, means you are not doing a good job of keeping units rented.

House was my primary but I moved out of area for a job offer.

Unfortunately I have only been at my current w2 job for 1 year and I’m hoping this won’t prevent me from securing a loan in the next several months.

The only caveat I would add is that you should be able to make the payment out of your day job salary, ideally with a bit of principal on top of that. 

Rental Activity Eligible for the QBI Deduction Under the Tax Cuts and Jobs Act (TCJA) tax reform bill, you can deduct up to 20% of your qualified business income.