If anyone could shed some light would be greatly appreciated.

New painted maple shaker cabinets, calacutta/carerra marble backsplash, and light grey quartz counters.

The key is to reduce the spackle to an amount slightly higher than the rest of the wall and then lightly sand to make it blend in.

@rickharmonI would like to bring this thread back into a positive light. 

This is a good example of putting out information that clogs the understandings of investors as it is not appropriate for the most part.Creditors mentioned here, as to mortgages and originators are institutional lenders, banks and funding entities such as a mortgage company, not to individuals.The underwriting mentioned does shed some light on customary loan processing and underwriting that can be and should be adopted by an MLO in assisting a seller.

One of our SFH tenants left after doing her Herpetology PhD & left 7 large glass aquariums & all the screens, lights etc that came with them.

Well it was like a light bult went off in my head and I realized it was simply a numbers game.

It heralds new regulations and supervision of previously lightly regulated investment banks, as well as an end to the outsize paychecks that helped shape the image of the chest-thumping Wall Street banker.

Their vision is very narrow from the pinhole of light coming down the rabbit hole they have crawled into.

SInce these "rules" seem to be a guiding light for so many, instead of crunching actual numbers, and since these "rules" are rather flexible given the price point and other considersations, maybe we should have a graphic or grid that would identify the best per centages to use for the different property types, for a banded analysis concidering price, market and investment aggressiveness (like a bond rating in reverse) to the risk tolerance..