I don’t know if you need to change your format Omar.

@Grant Hunter McNaugthon When there is non-owner occupied co-borrower, the down payment requirement change.

Turns out they had changed banks and my payment just got missed in the set up.

CHANGE OF TERMS: The terms and conditions of this agreement are subject to future change by Landlordwith 60-day written notice setting forth such change and delivered to Tenant.

When they gave us copies of the leases, all he did was change the ending lease date to 2019 but signatures are from 2016 and they don’t have a lease amendment and seller and tenant didn’t initial the change on the lease.I’ve requested and supplied an estoppel form to be fully filled out and signed by tenant and owner and for the leases to be initialed properly for the recent changes.Selling agent says he can’t make tenants fill out estoppel and owner isn’t making much effort to get it filled out either.

I would like to cancel the lease as this changes his credit worthiness. 

I recently changed insurance  companies and after paying, they came back and said they were going to drop me because  the house is on a lake.

I am so focused on the wholesale side and I am just trying to change the way I look at deals a little to fit the wholetailing side. 

You are not changing the value (unless the purchase price is below market value...in which case I would use market value as the ARV even though not doing any "repairs").

Owner of a property in each city and now focused on investment opportunities with upside (renovations, change of use, working thru legal issues, etc.).