I would personalize it with a picture of yourself and sign the bottom to make it official.

So, overall we’re doing okay and we’re really hoping to get into a growth phase. 

You aren't acknowledging that you are just a middle person with no money so you are starting with an untruth, the quickest way to get someone to hang up on you.

Hi Melissa,This is of course a personal decision but personally I do not allow felonies in my screening process.~ Lindsey

@Bob AsadI personally would not. 

Personally, I wouldn't live somewhere where I have people living above me as I am sensitive to noise. 

If so, you can get a DSCR loan without worrying about personal income.

But generally I think areas that are relatively inexpensive with low(er) crime, decent schools, a diversified job market and steady population growth are the best places to aim for.

Here’s a detailed breakdown of these two types of markets and the factors that contribute to each:Cash Flow Market, a cash flow market is one where rental income exceeds the expenses of owning the property (mortgage, taxes, insurance, maintenance, and property management), resulting in positive monthly cash flow for the investor.Key Characteristics:High Rental Yields: Properties typically have high rental yields compared to their purchase prices.Stable or Slow Appreciation: Property values increase slowly over time, if at all.Lower Property Prices: Generally, property prices are lower, making it easier to achieve positive cash flow.Higher Rental Demand: Strong demand for rentals due to economic factors, demographics, or local employment conditions.Factors Contributing to Cash Flow Markets:Economic Stability: Stable job markets and steady local economies that support rental demand.Rental Market: High percentage of renters compared to homeowners.Affordability: Affordable property prices relative to rental income.Local Policies: Landlord-friendly laws and regulations.Appreciation Market, an appreciation market is one where property values increase significantly over time, offering substantial capital gains upon sale, but rental yields may be lower, resulting in lower monthly cash flow.Key Characteristics:High Property Value Growth: Significant annual increases in property values.Lower Rental Yields: Rental income may not cover the monthly expenses, leading to lower or even negative cash flow.Higher Property Prices: Generally higher property prices, which can make it harder to achieve positive cash flow.Strong Economic Growth: Rapid economic growth, population influx, and development.Factors Contributing to Appreciation Markets:Economic Boom: Strong local economy with job growth and high-paying industries.Population Growth: Influx of people moving to the area, increasing demand for housing.Infrastructure Development: Significant investments in infrastructure, amenities, and services.Desirability: High quality of life, good schools, and attractive neighborhoods.I hope this information finds you well. 

Talking about a person or company who will bring in cash for down payments and floating capital between renovation draws.